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 EFCU offers attractive fixed rates and flexible terms on cars, trucks, SUVs, motorcycles, RV's, boats, and even snowmobiles.
Many consumer advocate reports say ... Buyer beware! Beware of dealers offering 0% APR financing. More often than not, consumers don't qualify for this special financing and if they do, they don't think they can negotiate vehicle pricing, costing them much more in the long run. Consumers are usually better off accepting the manufacturer's rebate and financing with their credit union. Our loan officers are available to answer all your questions, simply call 763-569-4000.
Simple Steps To the Vehicle of Your Dreams!
- Get Informed
Use our loan calculators to determine the rate, term, and monthly payment you can afford. Go to our rate page to get the most updated rate on vehicle loans.
- Check Your Credit
Take a look to see what the finance company sees before you apply for your next vehicle loan. Plus, monitoring and periodically reviewing your credit report is an effective tool in fighting identity theft. You can order one credit report from each of the nationwide consumer credit reporting companies: Equifax (used by Electrus and the most commonly used agency in Minnesota), Experian, and TransUnion. Go to www.annualcreditreport.com to get your free reports. (By clicking on the link you are leaving Electrus FCU's web site.)
- Put the Power of a Pre-Approval on Your Side
Don't walk into a dealership or sign private party papers without first getting pre-approved through EFCU. Check out our attractively low vehicle rates and then apply online.
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Research Your Vehicle Options
Before you purchase your next new or pre-owned vehicle, check out its options, features, and value at the Kelly Blue Book (KBB) web site. From new vehicle pricing and photos to used vehicle trade-in values, KBB has it all! (By clicking on the link you are leaving Electrus FCU's web site.)
- Don't Get a Lemon
Don't purchase a pre-owned vehicle without researching it first at CarFax.com. Find out if the vehicle you've been eyeing has a salvaged title, odometer rollback, flood damage, and more in one easy-to-download report. You could save yourself from making a $10,000 mistake! (By clicking on the link you are leaving Electrus FCU's web site.)
- Let Our Partners Find Your Vehicle For You
Whether you're in the market for a new or pre-owned vehicle, CU Auto Resource Center and TMC Auto Brokers can save you time, hassle, and money! (By clicking on the links you are leaving Electrus FCU's web site.)
- Get Auto Insurance
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