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Best for: Minnesota-connected members refinancing an existing auto loan

Affinity Plus Federal Credit Union

Affinity Plus Federal Credit Union — published 4.74%–18.00% APR range on auto loans.

Min credit
Not disclosed
APR
4.74%–18.00%
Max vehicle age
Not disclosed
Max mileage
Not disclosed

See your matched lenders and get prequalified. Takes ~3 minutes.

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"Not disclosed" means Affinity Plus Federal Credit Union does not publish this on their public site. "No restriction" means Affinity Plus Federal Credit Union explicitly states no limit.

Overview

Affinity Plus Federal Credit Union can help refinance an existing auto loan from another lender. As of October 2026, published rates start at 4.74% APR for 36-month terms, with a maximum interest rate of 18% APR, based on a final loan-to-value under 70 percent; higher LTVs carry higher rates.…

What’s great

  • Published APR range of 4.74%–18.00%
  • Terms from 36 to 84 months
  • No prepayment penalties
  • Up to 100% financing, including license and fees

What to know

  • Rates increase for loans with a loan-to-value of 70% or higher
  • Membership tied to Minnesota employers, schools, or communities

Eligibility

Minimum credit scoreNot disclosed
APR range4.74% – 18.00% (Rates based on a final loan-to-value of less than 70%; rate increases for loans with higher LTVs.)
Maximum vehicle ageNot disclosed
Maximum mileageNot disclosed
Loan amount rangeNot disclosed
Term length36 – 84 months
States servedNot disclosed
Membership requirementOpen to employees of the State of Minnesota, Preferred Partner companies, and the University of Minnesota Twin Cities; students or alumni of specific Minnesota schools; residents, workers, or worshippers in specific Minnesota communities; and relatives or roommates of eligible members.

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from Affinity Plus Federal Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Affinity Plus Federal Credit Union before applying.

  1. [1]Auto Loan Rates — Affinity Plus Federal Credit Union
    https://www.affinityplus.org/rates/auto-loan-rates
    Last checked: October 2026
  2. [2]Car Loans | MN Auto Loans — Affinity Plus Federal Credit Union
    https://www.affinityplus.org/personal/borrow/auto-loans
    Last checked: October 2026
  3. [3]Membership eligibility. See how you qualify. — Affinity Plus Federal Credit Union
    https://www.affinityplus.org/personal/about-us/membership/become-a-member/eligibility
    Last checked: October 2026