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Start your next adventure with an Expedition Credit Union auto loan

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Auto Loans First-Time Buyers Recreational Vehicles

No Payments for 90 Days*

Apply today for new, used, or refinanced auto loans and cruise payment-free for 3 months!

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* For qualified borrowers
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Auto Loans

Drive your dreams with affordable and flexible auto loans from Expedition Credit Union. Whether you're purchasing a new or previously owned car, truck, SUV, or even refinancing an existing loan, we've got you covered. With pre-approval options available, shop confidently knowing your financing is ready before you hit the dealership.

New & Used Autos

Loan Rates Starting at

5.24% APR
APR = Annual Percentage Rate

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*Fees may apply for payment services.

Why Choose Expedition Credit Union for Your Auto Loan?

  • Low, Competitive Rates: Save more with some of the best rates on new and used vehicles, designed to keep your payments low.
  • 100% Financing Available: Drive off with full financing for your next car, truck, motorcycle, or RV.
  • Quick Approvals: Get fast, hassle-free approvals so you can hit the road sooner.
  • Flexible Terms: Customize your repayment terms to fit your budget and lifestyle.
  • Pre-Approval Options: Shop with confidence by securing your financing before heading to the dealership.

TruStage Insurance

Protect your car and enjoy competitive rates, online convenience, and affordable coverage from TruStage.

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Route 66 Extended Warranty

Shield yourself from costly repairs with comprehensive warranties including roadside assistance and coverage for any mileage.

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First-Time Auto Loan Program

Expedition Credit Union's First-Time Auto Loan Program is tailor-made for those buying their first car. Even if you have no credit history, we'll help you secure financing with flexible terms and competitive rates. Build your credit while driving the vehicle you've been dreaming of!

Program Highlights:

  • No Credit History Required: Perfect for first-time buyers starting their credit journey.
  • Generous Loan Limits: Finance up to $25,000 for your first vehicle purchase.
  • Flexible Loan Terms: Choose repayment options up to 60 months to fit your budget.
  • 100% Financing: Cover the MSRP for new vehicles or the full NADA retail value for used cars.
  • Exclusive Member Benefits: Automatically qualify for a $500 Line of Credit with an Expedition Checking Account.
First-time car buyer enjoying their new vehicle

First-Time Auto Loan Rates

Zero Down Payment

8.24% APR*

10% or More Down Payment

7.24% APR*

Payment Examples: For every $1,000 borrowed at 7.24% APR over 5 years, your monthly payment is $19.97. For every $1,000 borrowed at 8.24% APR over 5 years, your monthly payment is $20.46.

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*APR means Annual Percentage Rate. Rates current as of January 1, 2025, and subject to change. Must be at least 18 years old and have no previous auto credit to qualify. Refinance of existing auto loan allowed if purchased within the last 6 months. No credit required; however, no derogatory credit is allowed. Payment cannot exceed 20% of monthly gross income. Applicant must be able to prove a minimum of 12 months employment with your present employer or a signed employment contract and provide a recent paystub. Proof of insurance is required. Other conditions and qualifications may apply.

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Recreational Vehicle Loans

Experience the freedom of the open road with an affordable Recreational Vehicle Loan from Expedition Credit Union. Whether you're upgrading your current camper or purchasing a new boat, snowmobile, motorcycle, or other recreational toy we offer competitive loan rates, flexible terms, and a streamlined approval process to help make your dream a reality. With our commitment to personalized service and community-focused values, you'll enjoy a stress-free financing experience designed to fit your budget and lifestyle.

  • New or Used: Choose from a wide variety of recreational vehicles (including boats, motorcycles, snowmobiles and more) that fit your lifestyle.
  • Flexible Terms & Payment Options: Tailor your repayment plan to suit your budget.
  • Get Pre-Approved: Shop confidently at RV, Boat or Motorcycle shows or dealerships knowing your financing is in place.
  • 100% Financing Available: Cover the full cost of your new or used purchase.
  • Local Processing in Minnesota: Experience faster approvals with our community-focused approach.
  • Personal Service from Start to Finish: Our dedicated team is here to guide you every step of the way.

Frequently Asked Questions

You can finance a wide range of vehicles, including new and used cars, trucks, motorcycles, boats, and recreational vehicles (RVs). Additionally, we offer refinancing options for existing vehicle loans.  

You can apply for an auto or recreational vehicle loan online by clicking the "Apply Now" button on our page or visit any of our branch locations. We also offer pre-approval options to help you shop confidently.

Eligibility for an auto or vehicle loan depends on several factors, including your credit history, income, employment status, vehicle year & value, and the amount you wish to borrow. Our friendly staff can guide you through the process to determine your eligibility.

Yes, we offer refinancing options for your existing auto and vehicle loans. Refinancing can help you secure better terms, lower interest rates, or adjust your repayment schedule to better fit your financial situation.

Our loan process is streamlined to ensure you receive a decision as quickly as possible. In many cases, you can receive an answer within minutes when applying online or during your visit to our branch.