Rates as low as 4.59% APR* keep your budget in gear for what matters most

Choose terms up to 84 months* for payments that fit your budget

Whether it’s new wheels or a smarter rate, we’ve got options

Enjoy no payments for the first 90 days* for some breathing room

Great rates, even better service – our Auto Loans keep you rolling

We know how much you rely on your car, truck or SUV every day, so we make sure you find the loan that fits your budget. The next time you're in the market for a new or new-to-you vehicle, get your financing here with quick approvals based on decisions by local people, money-saving rates and a variety of easy payment options. And if you love your vehicle but not your current loan, bring it to us to refinance and you could save money with a lower interest rate or different term.


Auto Loan Resource Center

Research vehicles, calculate loan payments and check out insurance options – all in one place! It's a quick pit stop on your way to buying your next ride. 

GAP Plus

Get peace of mind at an affordable price. If your vehicle is totaled or stolen and not recovered, this policy covers the difference between what you owe on your auto loan and the settlement you receive from your insurance company. 

Mechanical Repair Coverage

Make sure you have a financial plan to address costly repairs after your vehicle's factory warranty expires. This is a great option if you're driving a used vehicle or plan to keep your new one for a longer time. 


Get on the road to your next vehicle with a loan from Ideal Credit Union in Minnesota at competitive rates.


Still looking for your next used vehicle?

As an Ideal Credit Union member, you can get exclusive deals through our partnership with Enterprise Car Sales.

Effective Date: June 04, 2026
Term
APR as low as*
2022 and newer**
Up to 36 months 4.59%
Up to 48 months 4.79%
Up to 60 months 5.04%
Up to 72 months 5.24%
Up to 84 months (must be 2022 or newer**) 5.79%
2021 and older
Up to 36 months 5.14%
Up to 48 months 5.29%
Up to 60 months 5.49%
Up to 72 months 5.59%
What to know before you borrow
Hand-picked for you
Disclaimers

*APR = Annual Percentage Rate. Quoted APR is best available rate for model years 2022 and newer for a 36 month term; rate may be higher depending on factors such as credit history, repayment term selected, amount financed and mileage of vehicle. Higher rates are available for terms to 84 months. Example of payment, pay $29.88 per month per $1,000 borrowed for 36 months at 4.79% APR. Rates are subject to change at any time.

**Actual rates based on applicant's payment and credit history. To be eligible for an 84 month term, vehicle must be 2022 or newer and minimum loan amount must be $30,000. LTV restrictions may apply.