Credit union · NCUA insured
Affinity Plus Auto Loan Rates
Affinity Plus auto loans start at 5.24% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How Affinity Plus’s auto loan rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Affinity Plus has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Affinity Plus
5.24%APR
- Terms
- up to 60 months
- Discount
- None included
New Auto (2025– 2026)
Lowest rate
Magnifi Financial
3.99%APR
- Terms
- —
- Discount
- Included in the rate
2nd-lowest rate
St. Paul Federal Credit Union
4.29%APR
- Terms
- up to 60 months
- Discount
- None included
Affinity Plus auto loan score
75
Auto loan score
Higher than 38% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Affinity Plus ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Auto (2025– 2026)
New or existing Affinity Plus membership is required. All loans are subject to credit approval. Rates are based on a final LTV of less than 70% and increase for higher LTVs. Affinity Plus finances up to 125% of MSRP. Maximum interest rate is 18% APR. For model years 2025 or newer.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | Rate as low as 4.74% APR for 36 months based on LTV < 70%. Payment example: $29.85 per $1,000 borrowed. |
| up to 48 months | 4.99% | Rate as low as 4.99% APR for 48 months based on LTV < 70%. Payment example: $23.02 per $1,000 borrowed. |
| up to 60 months | 5.24% | Rate as low as 5.24% APR for 60 months based on LTV < 70%. Payment example: $18.98 per $1,000 borrowed. |
| up to 72 months | 5.49% | Rate as low as 5.49% APR for 72 months based on LTV < 70%. Payment example: $16.33 per $1,000 borrowed. |
| up to 84 months | 5.99% | Rate as low as 5.99% APR for 84 months based on LTV < 70%. Minimum loan amount for 84-month loan is $25,000. Payment example: $14.60 per $1,000 borrowed. |
Sources (1)
- affinityplus.org/rates/auto-loan-rates · captured Oct 5, 2026
Older Used Auto (2019 & older)
New or existing Affinity Plus membership is required. All loans are subject to credit approval. Rates are based on a final LTV of less than 70% and increase for higher LTVs. Maximum interest rate is 18% APR. For model years 2019 or older.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.99% | Rate as low as 5.99% APR for 36 months based on LTV < 70%. Payment example: $30.42 per $1,000 borrowed. |
| up to 48 months | 6.24% | Rate as low as 6.24% APR for 48 months based on LTV < 70%. Payment example: $23.60 per $1,000 borrowed. |
| up to 60 months | 6.49% | Rate as low as 6.49% APR for 60 months based on LTV < 70%. Payment example: $19.56 per $1,000 borrowed. |
Sources (1)
- affinityplus.org/rates/auto-loan-rates · captured Oct 5, 2026
Used Auto (2020 – 2025)
New or existing Affinity Plus membership is required. All loans are subject to credit approval. Rates are based on a final LTV of less than 70% and increase for higher LTVs. Affinity Plus finances up to 125% of NADA Retail Value. Maximum interest rate is 18% APR. For model years 2020 to 2025.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | Rate as low as 4.74% APR for 36 months based on LTV < 70%. Payment example: $29.85 per $1,000 borrowed. |
| up to 48 months | 4.99% | Rate as low as 4.99% APR for 48 months based on LTV < 70%. Payment example: $23.02 per $1,000 borrowed. |
| up to 60 months | 5.49% | Rate as low as 5.49% APR for 60 months based on LTV < 70%. Payment example: $19.10 per $1,000 borrowed. |
| up to 72 months | 5.74% | Rate as low as 5.74% APR for 72 months based on LTV < 70%. Payment example: $16.45 per $1,000 borrowed. |
| up to 84 months | 6.24% | Rate as low as 6.24% APR for 84 months based on LTV < 70%. Minimum loan amount for 84-month loan is $25,000. Payment example: $14.72 per $1,000 borrowed. |
Sources (1)
- affinityplus.org/rates/auto-loan-rates · captured Oct 5, 2026
Who can join Affinity Plus
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.