Auto Financing from TopLine
Better rates. Fewer hassles. Smoother ride.
Looking for something smaller, sportier or just more practical? Whether you're buying a new or used vehicle, TopLine Financial Credit Union can help you get the best car loan to fit your needs. TopLine auto loans offer flexible terms, competitive loan rates and a variety of repayment options. If you are looking to refinance, we do that too!
TopLine Auto Loan Benefits
Car dealers have incentives for promoting certain lender options—but don't be afraid to insist on financing through TopLine. As a member, you enjoy a number of free benefits, including:
- Free 24/7 online account access
- Flexible repayment options
- Free car buying services
- No prepayment penalties and more
Free Car Buying Services
TopLine Financial Credit Union is committed to helping you get the best deal in town. As a member-owner, you have exclusive access to our free car buying services with a Minneapolis-St. Paul-based firm to ensure you get the savings you deserve without all the hassles.
Learn MoreDrive 4 Less Loan
TopLine's Drive4Less Program1 offers low monthly payments like a lease, plus the best part of conventional financing – owning the vehicle.
Like a lease, the Drive4Less Program1 can help reduce monthly payments, making them considerably lower than conventional financing. But unlike a lease, with the Drive4Less Program1 you own the vehicle and have all the flexibility and benefits of vehicle ownership!
Click the payment calculator below to see how much you could save!
Optional Protection Services
TopLine Offers Auto Insurance
Interested in seeing if you could save money on your auto insurance?
*APR means Annual Percentage Rate. Advertised rate is current as of 2/17/2026 and is fixed for the term of the loan. Borrow at 4.74% APR for 60 monthly payments of $18.76 per $1,000 borrowed. Rates reflect 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account. Rate available on 2022 and newer vehicles. APR may vary based on credit profile, loan amount, down payment, term of loan and collateral type. Loan subject to approval. Additional terms may be available. Rates, terms and conditions subject to change. Rates will be higher on loans with a Loan-to-Value ratio over 90%. **Offer does not apply to existing TopLine auto loans. During 90-day no payment period, interest will accrue. Payment due date will be 90 days after the funding date. Must meet certain credit qualifications for 90-day no payment offer. Visit www.TopLinecu.com or call 763-391-9494 for more details about rates and terms. TopLine does business in accordance with the Federal Fair Lending Laws and Equal Credit Opportunity Act.
Drive4Less Program Financing1
1APR = Annual Percentage Rate. Advertised rate is current as of 1/1/2026 and is fixed for the term of the loan. Borrow at 4.74% APR for 24 monthly payments of $18.87 per $1,000 borrowed. All loans are subject to TopLine Financial Credit Union's lending policies. Verification of income may be required. Offer, rate, and terms are subject to change. If you elect to return the vehicle at the end of the term, additional fees may apply. The Drive4Less program is valid for autos and trucks up to 5 years old. Mileage restrictions may apply. Membership at TopLine Financial Credit Union is required to participate in this program. A one-time fee of $325.00 will be charged and added to financing.
TopLine does business in accordance to the Federal Fair Lending Laws and Equal Credit Opportunity Acts.