Credit union · NCUA insured
TopLine Financial Credit Union Auto Loan Rates
Top CarrotTopLine Financial Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How TopLine Financial Credit Union’s auto loan rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where TopLine Financial Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
TopLine Financial Credit Union
5.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto Loans
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
TopLine Financial Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where TopLine Financial Credit Union 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 Loan Promotional Rate
Special promotional rate fixed for the term of the loan. Rates reflect a 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account. Rates will be higher on loans with a Loan-to-Value (LTV) ratio over 90%. APR may vary based on credit profile, loan amount, down payment, term of loan and collateral type. Subject to approval. 90-day no payment offer available for qualifying credit (interest accrues during 90 days; not applicable to existing TopLine auto loans).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | Model year 2022 & Newer. Monthly payment of $18.87 per $1,000 borrowed (disclosure example states $18.76). |
Auto Loans
Fixed APR for the term of the loan. Rates reflect a 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account. Rates will be higher on loans with a Loan-to-Value (LTV) ratio over 90%. APR may vary based on credit profile, loan amount, down payment, term of loan and collateral type. Subject to approval. 90-day no payment offer available for qualifying credit (interest accrues during 90 days; not applicable to existing TopLine auto loans).
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.24% | Model year 2022 & Newer. Monthly payment of $43.54 per $1,000 borrowed (disclosure example states $43.42). |
| up to 36 months | 4.74% | Model year 2022 & Newer. Monthly payment of $29.86 per $1,000 borrowed. |
| up to 48 months | 5.14% | Model year 2022 & Newer. Monthly payment of $23.10 per $1,000 borrowed. |
| up to 60 months | 5.24% | Model year 2022 & Newer. Monthly payment of $18.99 per $1,000 borrowed. |
| up to 72 months | 5.54% | Model year 2022 & Newer. Monthly payment of $16.36 per $1,000 borrowed. |
| up to 84 months | 6.04% | Model year 2022 & Newer. Minimum loan amount for 84 month term is $25,000. Vehicle must be 2022 or newer with less than 60,000 miles. Monthly payment of $14.63 per $1,000 borrowed. |
| up to 24 months | 4.99% | Model years 2021 - 2020. Monthly payment of $43.76 per $1,000 borrowed. |
| up to 36 months | 5.24% | Model years 2021 - 2020. Monthly payment of $30.08 per $1,000 borrowed. |
| up to 48 months | 5.64% | Model years 2021 - 2020. Monthly payment of $23.33 per $1,000 borrowed. |
| up to 60 months | 5.74% | Model years 2021 - 2020. Monthly payment of $19.22 per $1,000 borrowed. |
| up to 72 months | 6.04% | Model years 2021 - 2020. Monthly payment of $16.60 per $1,000 borrowed. |
| up to 24 months | 5.24% | Model years 2019 - 2017. Monthly payment of $43.98 per $1,000 borrowed. |
| up to 36 months | 5.74% | Model years 2019 - 2017. Monthly payment of $30.31 per $1,000 borrowed. |
| up to 48 months | 6.14% | Model years 2019 - 2017. Monthly payment of $23.56 per $1,000 borrowed. |
| up to 60 months | 6.24% | Model years 2019 - 2017. Monthly payment of $19.45 per $1,000 borrowed. |
| up to 24 months | 5.74% | Model years 2016 - 2012. Monthly payment of $44.21 per $1,000 borrowed. |
| up to 36 months | 6.24% | Model years 2016 - 2012. Monthly payment of $30.53 per $1,000 borrowed. |
| up to 48 months | 6.64% | Model years 2016 - 2012. Monthly payment of $23.79 per $1,000 borrowed. |
Drive 4 Less Loans
Lease-alternative program valid for new or used autos and trucks up to 5 calendar years old. Membership at TopLine Financial Credit Union is required. A one-time fee of $325.00 will be charged and added to financing. Rates reflect a 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account. Rates will be higher on loans with a Loan-to-Value ratio over 90%. Verification of income may be required. Additional fees may apply if returning vehicle at the end of the term. Mileage plans available: 7,500, 10,000, 12,000, 15,000, or 18,000 miles per year. No prepayment penalties or early termination fees.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.49% | Model year 2022 & Newer. Monthly payment of $43.64 per $1,000 borrowed. |
| up to 36 months | 4.99% | Model year 2022 & Newer. Monthly payment of $29.97 per $1,000 borrowed. |
| up to 48 months | 5.39% | Model year 2022 & Newer. Monthly payment of $23.21 per $1,000 borrowed. |
| up to 60 months | 5.49% | Model year 2022 & Newer. Monthly payment of $19.10 per $1,000 borrowed. |
| up to 72 months | 5.79% | Model year 2022 & Newer. Monthly payment of $16.47 per $1,000 borrowed. |
| up to 24 months | 4.99% | Model year 2021. Monthly payment of $43.87 per $1,000 borrowed. |
| up to 36 months | 5.49% | Model year 2021. Monthly payment of $30.19 per $1,000 borrowed. |
| up to 48 months | 5.89% | Model year 2021. Monthly payment of $23.43 per $1,000 borrowed. |
| up to 60 months | 5.99% | Model year 2021. Monthly payment of $19.33 per $1,000 borrowed. |
| up to 72 months | 6.29% | Model year 2021. Monthly payment of $16.71 per $1,000 borrowed. |
Who can join TopLine Financial Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.