Financing

Auto Loans

Get more smiles per mile with quick and easy financing options. We have solutions for the new vehicle of your dreams or refinance your existing vehicle loan.

That's what we do.

Rates as low as 4.99% APR* for 24 months!

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Auto Loan Rates & Disclosures

The Financing Advantage

When you’re pre-approved, you hold the keys.

How does being pre-approved help you? When dealers see that you’re pre-approved, they know you are a serious buyer. They’ll be ready to make a good deal to get your business, and you can be confident knowing that you have a great rate financing option with us.

1. Submit an application.

To get the loan process started, first submit an online loan application. You can also apply by calling 763.422.0290 or in person at one of our five branch locations.

2. Get pre-approved.

We will process your application and notify you when your pre-approval is completed, most often you could receive a loan decision the same day.

3. Decide on your vehicle.

Be sure to bring your loan pre - approval to the dealer, as this will give you maximum leverage and help you negotiate the best deal. Save even more time and money when you use one of trusted partners at Enterprise Car Sales.

4. Complete your loan documents.

Once the deal is finalized, send us the purchase agreement and we can finalize your loan documents online using Docusign.

Our Vehicle Financing Options.

Drive4Less Program¹

How would you like to finance your vehicle with a program that combines the best features of a conventional loan with the benefits of leasing?

Our Drive4Less Program¹ offers low monthly payments similar to a lease, plus the best part of conventional financing – actually owning the vehicle.

Like a lease, the Drive4Less Program¹ offers payments that can be considerably lower than conventional financing. But unlike a lease, with the Drive4Less Program¹ you own the vehicle and have all of the flexibility and benefits of vehicle ownership!

Calculate Your Payment on 100's of Makes & Models Using Our Drive4Less Calculator!

Drive4Less Calculator

Get Pre-Approved

Traditional Vehicle Financing

Don't you love that new car smell? Maybe you're looking for a new to you, gently used vehicle? Our traditional options meet your unique financing needs.

Enjoy benefits such as 90 days before your first payment^**. In Minnesota, 90 days can be a whole season!

Competitive rates as rates as low as 4.99% APR^* and we may even be able to match a competitor rate because we value your membership, making it a win-win for everyone!

Apply online in minutes and in many cases, receive a loan decision the same day!

Automatic Payments will not just make life easier, but we offer a rate discount for having automatic payments on your loan.

Get Pre-Approved

^{New & Used Vehicle Financing}

^*APR = Annual Percentage Rate. Advertised rate is current as of 4/1/2025 and is fixed for the term of the loan. Borrow at 4.99% APR for 24 monthly payments of $43.76 per $1,000 borrowed. Rates include a .25% discount for auto paying electronically from an Anoka Hennepin Credit Union, a Division of TopLine Financial Credit Union or TopLine Financial Credit Union. Loan is subject to approval and the rate may vary based on individual credit and term. Certain restrictions may apply. No minimum loan amount. Maximum loan amount $100,000. ^**Payments may be deferred upon credit approval for up to 90 days. Deferred payments may not exceed 90 days. Interest begins accruing upon disbursal of loan. Offer valid on new and used auto loans. Credit Union Membership required. Offer not valid on loans currently financed with Anoka Hennepin Credit Union, a Division of TopLine Financial Credit Union or TopLine Financial Credit Union. Offer subject to change or termination.

⁺Minimum loan amount for 84 month term is $25,000. Vehicle must be 2020 or newer with less than 50,000 miles.

.

^{Drive4Less Program Financing1}

^{*APR = Annual Percentage Rate. Advertised rate is current as of
4/1/2025 and is fixed for the term of the loan. All loans are subject to Anoka Hennepin
Credit Union’s lending policies. Verification of income may be required. Offer, rate, and
terms are subject to change. If you elect to return the vehicle at the end of the term,
additional fees may apply. The Drive4Less program is valid for autos and trucks up to 5
years old. Mileage restrictions may apply. Membership at Anoka Hennepin Credit Union is
required to participate in this program. Sample payment of 3.14% APR would require 72
monthly payments of $299 for a $15,000 loan. A one-time fee of $325.00 will be charged and
added to financing.}

Find a Vehicle

Start Your Vehicle Search

Creating a friction-less purchasing process starts with finding your next vehicle.

Shop the Enterprise Spring Sale!

image of vehicle and enterprise car sales logo

Get preapproved today and shop the presale from April 10 - 12 and take advantage of all the deals!

Presale | April 10 - 12, 2025
Sale | April 14 - 19, 2025

Take Advantage of Rates as Low as 4.74% APR for 60 Months!¹

^{When you finance an Enterprise vehicle with
TopLine!}

Get Pre-Approved Search Inventory

1: APR = Annual Percentage Rate. Advertised rate is current as of 4/10/2025 and is fixed for the term of the loan. Borrow at 4.74% APR for 60 monthly payments of $18.75 per $1,000 borrowed. Rates include a .25% discount for auto paying electronically from an Anoka Hennepin Credit Union, a Division of TopLine Financial Credit Union, or TopLine Financial Credit Union. Loan is subject to approval and the rate may vary based on individual credit and term. Certain restrictions may apply. No minimum loan amount. Maximum loan amount $100,000. **Payments may be deferred upon credit approval for up to 90 days. Deferred payments may not exceed 90 days. Interest begins accruing upon disbursal of loan. Offer valid on new and used auto loans 2021 model year and newer. Credit Union Membership required. Offer not valid on loans currently financed with Anoka Hennepin Credit Union, a Division of TopLine Financial Credit Union or TopLine Financial Credit Union. Offer subject to change or termination. +Minimum loan amount for 84-month term is $25,000. Vehicle must be 2020 or newer with less than 50,000 miles. Federally Insured by NCUA. Equal Housing Opportunity. NMLS# 654913.

Used vehicles were previously part of the Enterprise rental fleet &/or an affiliated company’s lease fleet or purchased by Enterprise from sources including auto auctions, customer trade-ins or from other sources, with a possible previous use including rental, lease, transportation network company or other use. Photo for illustration only. The “e” logo & Enterprise are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners. ©2025 Enterprise Car Sales N01342

Protection

Protect your Vehicle

The ultimate in freedom and flexibility.

Debt Protection

Do you have a safety net if the unexpected happens?

With Debt Protection, you can protect your payments from unexpected life events.

Learn More

Guaranteed Asset Protection (GAP)

Will you owe more on your vehicle loan than your vehicle is worth?

GAP is a great way solution, it's like an airbag for your vehicle loan.