Auto Loans

Man and woman enjoyin an evening drive in a convertible

When you find the right car or truck, you know it!

It can be a lot of work to find the right vehicle. Luckily, a loan with Linn Area Credit Union is a piece of cake! (Mmmmm, cake…) Before you shop, we recommend you contact us so we can prequalify you for a loan amount. Being prequalified for a certain amount lets you know how much car you can afford, which can give you extra bargaining power when negotiating price with a dealer. And if you come to us first — instead of financing through the dealer — you may get a lower rate! (Oooooh, yeaaaaahhhh!)

Did you know you can refinance your vehicle?

Refinancing your car, truck, or motorcycle at Linn Area Credit Union is incredibly easy and can be a quick way to lower your monthlies! If your vehicle loan is with another lender, and you’re unhappy with them for any reason, such as a too-high interest rate or less-than-stellar service, talk to one of our friendly financial counselors to see what Linn Area can do for you. Our rates are limbo-low… plus, you may be eligible for additional discounts based on your account relationships with us! (You won’t be getting those discounts from that other lender!)

We can handle everything over the phone or electronically, and we can usually get the refi done the next business day. To get started, we’ll need to know:

  • your Vehicle Identification Number (VIN)
  • the vehicle’s mileage
  • your payoff amount
  • your loan account number
  • the name and address of the financial institution that issued the loan

That’s it! (Easy-peasy, right?!) So, contact us today and let’s see if we can save you some money!

Apply for a Loan Today

Auto Loan Rates

Check out our current limbo-low auto loan rates.

Apply Online

No need to take those fuzzy slippers off. Grab a cup of coffee and apply online for your auto loan. Woohoooo!

Automatic Payments

There are several ways to set up your payment so it happens automatically. Never miss a payment!

Loan Insurance

We offer insurance and other protection at much lower rates than car dealers. Ask our financial counselors about Guaranteed Auto Protection, credit life, credit disability, and mechanical breakdown insurance.

Get Your Credit Report

Everyone gets a free copy of their credit report each year to look for fraud or inaccurate information.

Our Preferred Dealerships

Now you can sign your Linn Area Credit Union loan paperwork right at the dealership! Check out our preferred dealerships, then just sign and drive!

All loans subject to approval. Rates, terms, and conditions are subject to change.

I heard something the other day that I wanted to address. Someone told me that they wanted to apply for a loan, but were afraid that they would be rejected. If this happened, the person was worried that they would…
Apply for a Loan Today Note: Any loan amount less than $5,000 would have a maximum term of 48 months. *Annual Percentage Rate (APR) based on credit, equity, term and account relationships. Rates effective as of June 2, 2021. Loan…