Credit union · NCUA insured
Magnifi Financial Auto Loan Rates
Top CarrotMagnifi Financial auto loans start at 3.99% APR for a new vehicle and 3.99% for a used one. Rates checked October 16, 2026.
How Magnifi Financial’s auto loan rates compare
Compared with banks and credit unions near St. Cloud, MN, where Magnifi Financial has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Magnifi Financial
3.99%APR
- Terms
- —
- Discount
- Included in the rate
Auto Loans
2nd-lowest rate
Credit Union 1
4.39%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
3rd-lowest rate
St. Cloud Financial Credit Union
4.81%APR
- Terms
- —
- Discount
- None included
Magnifi Financial auto loan score
88
Auto loan score
Higher than 83% of U.S. banks and credit unions
- New vehicleNew3.99%
- Used vehicleUsed3.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Magnifi Financial 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.
Auto Loans
Membership qualification required. Rates subject to change based on creditworthiness. Rates include a 0.75% discount for automatic loan payment from a Magnifi account. Loan fees apply. New, used, or refinanced auto loans available.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.99% | Vehicle 2023 & newer. Rate includes 0.75% discount for automatic loan payment from a Magnifi account. |
| — | 5.44% | Vehicle 2018 - 2022. Rate includes 0.75% discount for automatic loan payment from a Magnifi account. |
| — | 6.19% | Vehicle 2016 - 2017. Rate includes 0.75% discount for automatic loan payment from a Magnifi account. |
| — | 7.19% | Vehicle 2015 & Older. Rate includes 0.75% discount for automatic loan payment from a Magnifi account. |
Sources (2)
All captured Oct 7, 2026
Who can join Magnifi Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, volunteer, attend school, or conduct business in, and businesses and other legal entities in, specified counties across Minnesota, North Dakota, and Wisconsin.
Membership information collected October 4, 2026.