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Go wherever the road takes you with a Northwoods Credit Union Auto Loan
To apply, you must be eligible for membership at Northwoods Credit Union. Please review our membership criteria before continuing.
Our Auto Loan Calculator: Plan Your Payments with Ease
No application or processing fees with our auto loans
Up to 125% financing on new autos for qualified members
Up to 125% financing of NADA average retail value on used autos for qualified members
Terms up to 84 months, depending on auto loan amount, credit, and year of car
GAP, Warranties & Debt Protection Available
Our Current Auto Loan Rates
| Loan Type | Terms | APR* | Monthly Payment per $1000 borrowed - Maximum Term | |
|---|---|---|---|---|
| New & Used Autos and Motorcycles1 | Up to 84 Months3 | 4.74% to 16.75%2 | $14.02 - $20.29 | |
| New & Used Recreation Vehicle Loans4 ATV's, Snowmobiles, Boats, Campers, RVs, Commercial Equipment | Up to 180 Months3 | 5.95% to 17.00%2 | $8.42 - $15.39 |
1 Up to 125% financing on new autos for qualified members and up to 125% financing of the NADA Clean retail value on used autos for qualified borrowers.
2 Rates are determined based on the creditworthiness of the applicant. Effective 2/23/2026
3 Terms are determined based on the creditworthiness of the applicant and by the loan amount.
4 Up to 125% financing on new for qualified members and up to 125% financing of the NADA Clean retail value on used for qualified borrowers.
5 Commercial Equipment Rates = 3% higher.
Debt Protection
Protecting your loan payments against death, disability, or involuntary unemployment could help protect your finances. Download our info packet to learn more.
GAP Coverage
GAP coverage can help fill the gap between what your vehicle’s insurance pays and what you owe on your loan to help cushion you against sudden expenses if your vehicle is totaled. Download our info packet to learn more.
Credit Union Auto Loan Rates in Northern Minnesota – Find Yours Now!
We offer competitive auto loan rates across Northern Minnesota, with branch locations in Cloquet, Moose Lake, and Floodwood. Whether you’re looking for a new truck or car, our local team is here to help you find the best financing option for your needs. Get personalized service and great rates at any of our branches or right here online.
Ready to see how much you could save? Check out our auto loan rates or use our financial calculator to estimate your monthly payments.
Northwoods Credit Union Auto Loans: Real Member Feedback
We make it easy to get behind the wheel with a credit union you can trust.
Drive Off Smarter with Credit Union Auto Loan Guidance
Explore articles designed to help you make smart choices with your next auto loan or auto loan refinance through Northwoods Credit Union.