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Auto Loans

Quick and easy financing options to get you into the new vehicle of your dreams or refinance your existing vehicle loan. That's what we do.

 

Rates as low as 1.74% APR*

man new car 

The AHCU 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 an AHCU Auto Loan.

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.

 

Our Vehicle Financing Options.


vehicle split in half

Drive4Less Program

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

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

The AHCU Drive4Less Program offers:

  • No down payment required

  • An affordable payment at a shorter term

  • Reduces your risk of negative equity

 

 Get Pre-Approved  

*

new vehicle

New Vehicle Financing

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 1.74% 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.

 Get Pre-Approved  

used vehicle

Used Vehicle Financing

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 1.74% APR*

Walk out of the dealership with your used vehicle by applying online and receive a loan decision fast and easy!

 

 Get Pre-Approved  

 

*APR = Annual Percentage Rate. Advertised rate is current as of 5/1/2022 and is fixed for the term of the loan. Borrow at 1.74% APR for 24 monthly payments of $42.43 per $1,000 borrowed. Rates include a .25% discount for auto paying electronically. Rate may increase by the amount of the discount(s) if requirement(s) are no longer met. 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 $75,000. **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. 

 

Start Your Vehicle Search

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

 

enterprise banner

Enterprise Car Sales

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.

 

Get Pre-Approved      Search Inventory

 


integrity banner

Integrity Autosource

Integrity Autosource, Inc. was established in 1995 with a goal of improving how customers purchase a new vehicle.  To Integrity Autosource, this looks like an easier, more professional and stress-free buying experience. 

One of the areas of vehicle purchasing that makes Integrity Autosource different from others is their ability to find a large variety of makes and models for their buyers.  If they don't have it, they will work to find it for you.

 

Get Pre-Approved      Search Inventory

 

1: $350/month payment based on a vehicle price of $24,900, down payment of $4,980, with $19,920 financed for a 72-month term at 7.94% APR. For qualified buyers only. APR, credit extended and approval based upon the applicant’s credit history, payment history and ability to repay the credit extended. Not all applicants will qualify. APR = Annual Percentage Rate.

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, “Enterprise Certified”, “Enterprise Car Sales”, “Enterprise Auto Finance” & “Buy. Sell. Trade. Enterprise makes it easy.” are all trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners. ©2022 Enterprise Holdings, Inc.

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.

 Learn More

Mechanical Repair Coverage (MRC)

Can you afford an unexpected car repair?

MRC can help you limit out-of-pocket car repair expenses.

 Learn More

Applying online for an Auto Loan is fast and easy

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Not a member? Join us today!

Joining AHCU is easy and only takes a few minutes

Become a Member