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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!

    I love Minnco because of the fast service and friendly faces.
    Miah G.
  • We love to hear what our members are saying!

    It's not a national level chain of branch offices... it's local banking for local people.
    Paul A.
  • We love to hear what our members are saying!

    Love the friendly, knowledgeable staff that will go above and beyond if/when needed. Great service without the corporate feel of the big banks.   
    Sandy S.
  • We love to hear what our members are saying!

    I love Minnco because I never feel like just a number to them. They take great pride in their members and they have always given me great service with a smile. I honestly could go on and on about the many reasons why I love them, because they are seriously amazing.
    Amanda W.
  • We love to hear what our members are saying!

    I love Minnco because everyone is friendly and efficient. You can build a relationship with the staff at Minnco and be welcomed with a friendly face. 
    Laura D.
  • We love to hear what our members are saying!

    Compared to any other bank I have been with or known people to use, Minnco is the best with service, especially when you need help.
    Katrina A.
  • We love to hear what our members are saying!

    Minnco has always been there for me. I have traveled all over the country and the world now for the Minnesota Guard. I have been able to always and reliably count on Minnco to have my back with customer service and great rates. Minnco is always helpful with whatever I need to be successful.
    Ross R.
  • We love to hear what our members are saying!

    I love Minnco because they know who I am, even through the car window!
    Melanie G.
  • We love to hear what our members are saying!

    I have been a member since 1980 - and I wouldn't go to any other bank!!!!
    Nan L.
  • We love to hear what our members are saying!

    I love Minnco because they have always been there to help me with my banking needs.  The staff are always super friendly whenever I have any questions.
    Cheryl W.
  • We love to hear what our members are saying!

    I can always count on many employees to know who I am and get my requests done even being out of state! 
    Karen H.
  • We love to hear what our members are saying!

    I love it when I come through the drive through and they know who I am and call me by name.  This is personal service which is missed in the world today.  It makes me feel like I am valued by Minnco.  
    Emilie B.
  • We love to hear what our members are saying!

    Always there right away when I need them!
    Suzannah M.
  • We love to hear what our members are saying!

    Since Day 1, Minnco has been nothing but good to us and for us!!!
    Nate N.
  • We love to hear what our members are saying!

    I enjoy being able to call in when I need something and talk to someone local unlike the big banks. Your customer service is great and that goes a long way!
    Andrew J.
  • We love to hear what our members are saying!

    I grew up with them as a bank and they taught me about how banking works, and were always friendly, and made me less nervous when it was time to do things myself.
    Jessica B.
  • We love to hear what our members are saying!

    I love the people, I love the ease ability of banking, and there is never any hassle when it comes to working with Minnco.
    Jeff W.
  • We love to hear what our members are saying!

    I love Minnco because they always make everything so easy. I have had several loans and the process is quick and easy.
    Cynthia
  • We love to hear what our members are saying!

    Local, hometown, friendly bank. Due to the downturn in the economy many years ago, Minnco made it possible for us to get our life back on track financially after a job loss. We wouldn't be where we are today without their help years ago.
    Anne R.
  • We love to hear what our members are saying!

    Minnco has always been easy to work with for all of my questions and loan needs.
    Paul S.

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