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Auto & Toy Loans

Minnco's competitive loan rates, affordable terms, and friendly staff all add up to a great lending experience. At Minnco, we're ready to help you realize your goals and make your dreams become reality.

CONVENIENCE: To make the loan process easier, we have loan officers available 6 days a week. Get your application started online in the comfort and convenience of your home or office!

DISCOUNTS: Minnco offers consumer loan rate discounts to members based on the products and services you select at Minnco.

Auto Loans

Whether you're looking for a new or used car, truck or van, Minnco Credit Union has a loan to fit your needs. Minnco extends new car rates to used cars with less than 100,000 miles, can finance 100% of your purchase price plus add-ons, and offers up to 72-month financing for qualified applicants. See rates.

Big Toy Loans

Motorcycles, ATVs, Boats, Trailer, RVs. If you're looking to buy a "big toy," you've come to the right place! Financing with Minnco can save you hundreds over dealer financing. If you've already financed your toy, call us and see if we can save you money by refinancing. Most dealer loans come with an attractive rate for a short term; after the promotion period ends, reality hits. Why pay 17%, 13& or even 8%? Save money when you finance with Minnco!

Optional Coverage

Protecting your assets and your financial wellness is important. Minnco can help through our variety of low-cost protection coverages.

Debt Protection

This protection covers involuntary unemployment, disability and loss of life. The monthly premium is based on your loan balance so therefore will reduce as your balance decreases. It can be canceled at any time without penalty.

See a loan officer for more information.

Guaranteed Asset Protection (GAP) Plus

GAP plus is a way to help protect your vehicle loan. Many times, primary auto insurance settlements don't pay off your loan balance. GAP Plus will help cancel the difference between the primary insurance settlement and what you may still owe on your vehicle loan. In addition, if your vehicle is stolen or totaled in an accident, GAP Plus will cancel $1,000 of your next loan with Minnco when you purchase a replacement vehicle within 60 days of your primary insurance settlement. GAP Plus helps you prepare for the unexpected.

See a loan officer for more information.

Route 66 Extended Warranty

Route 66 Warranty has a complete line of coverage designed to keep your vehicle on the road. Even the most reliable vehicle can develop a mechanical problem. No matter where you travel in the United States, we protect you against major mechanical expenses, and there is NO DEDUCTIBLE on covered parts or labor. All of our plans come with Rental Car Allowance and 24 hour/7 days a week Emergency Roadside Service:

  • Towing
  • Flat Tire Assistance
  • Battery Jump Starting
  • Lock-out Service
  • Safe and Secure Package
  • Minor Adjustments

See a loan officer for more information.

  • We love to hear what our members are saying!

    We purchased the Route 66 warranty for our Chevy pick up. It  was a great decision because the transmission went out on us 6 months later. The warranty saved us $3,300. The only thing we had to pay was the sales tax of the transmission. They were so wonderful to work with and it was so easy. We strongly recommend investing in the Route 66 warranty! 

    Scott and Erin

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