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
Enterprise Car Sales - Shop the Fall Sale!
Whether you are looking for something smaller, sportier, or just more practical, head to TopLine to get pre-approved for the right auto loan!
Shop the Enterprise Car Sales Fall Sale and take advantage of rates as low as 4.99% APR* for 60 months when you finance an Enterprise vehicle with TopLine.
Get preapproved today and shop the sale from October 16 – 25 and take advantage of all the deals before everyone else!
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?
Enterprise Car Sales - Fall Sale
*APR = Annual Percentage Rate. Advertised rate is current as of 10/16/2025 and is fixed for the term of the loan. Borrow at 4.99% APR for 60 monthly payments of $18.87 per $1,000 borrowed. Rates include a .25% discount for auto paying electronically from a TopLine Financial Credit Union checking or savings account. Loan is subject to approval and the rate may vary based on individual credit and term. Certain restrictions may apply. Rates will be higher on loans with a Loan-to-Value ratio over 90% **Payments may be deferred upon credit approval for up to 90 days. Deferred payments may not exceed 90 days. Interest begins accruing upon disbursal of loan. Offer valid only on vehicles purchased from Enterprise Car Sales from 10/16/25 – 10/25/25. Credit Union Membership required. Offer not valid on loans currently financed with TopLine Financial Credit Union. Offer subject to change or termination. Visit www.TopLinecu.com or call 763-391-9494 for more details about rates and terms. Federally Insured by NCUA. Equal Housing Opportunity. NMLS# 654913.
Drive4Less Program Financing1
1APR = Annual Percentage Rate. Advertised rate is current as of 10/1/25 and is fixed for the term of the loan. 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. Sample payment of 3.14% APR would require 72 monthly payments of $299 for a $15,000 loan. 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.