Mobile Banking
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 an AHCU partner like Enterprise Car Sales or Integrity Autosource.
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.
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?
AHCU's 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!
Don't you love that new car smell?
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 3.74% 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 AHCU loan.
Are you budget conscience? So are we! Maybe you have a new driver with their first vehicle or you love your existing vehicle, but would like to see if AHCU could save you money with a refinance.
New or Used? You can enjoy the benefits whichever you chose. Take advantage of 90 days before your first payment**, even on a used vehicle auto loan.
Enjoy competitive rates as rates as low as 4.24% APR*.
Walk out of the dealership with your used vehicle by applying online and receive a loan decision fast and easy!
New & Used Vehicle Financing
*APR = Annual Percentage Rate. Advertised rate is current as of 6/1/2023 and is fixed for the term of the loan. Borrow at 3.74% APR for 24 monthly payments of $43.31 per $1,000 borrowed. Rates include a .25% discount for auto paying electronically. 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. AHCU Membership required. Offer not valid on loans currently financed with AHCU. Offer subject to change or termination.
AHCU members have a partner in their vehicle search with Enterprise Car Sales. They offer a seamless and transparent purchase experience to fit a variety of needs. Whether you want to buy, sell or trade, Enterprise Car Sales wants to make it easy.
The ultimate in freedom and flexibility.
Do you have a safety net if the unexpected happens?
With Debt Protection, you can protect your payments from unexpected life events.
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.
Can you afford an unexpected car repair?
MRC can help you limit out-of-pocket car repair expenses.
