The MFP’s Community Auto Lender Survey gathers Minnesota’s car drivers feedback and recommendations for direct lenders like banks, credit unions and online lenders, plus marketplaces. Shopping for a car loan and a lender can be complicated and we gathered this data to help your choice.
Updated: May 11, 2026
<< Human Powered Recommendations from Minnesota’s Car Drivers >>
Minnesota Best Car Loan Lenders
Minneapolis, Saint Paul, Rochester, Bloomington, Duluth, Brooklyn Park, Plymouth, Woodbury, Maple Grove, St Cloud, Online.
Minnesota Car Loans Lenders Satisfaction
Performance and satisfaction of car loan lenders across Minnesota by lenders type.
| Lender Type | Application Ease | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommendation Rate |
|---|---|---|---|---|
| Credit Unions | 4.71 | 4.77 | 4.70 | 92.8% |
| Community Banks | 4.50 | 4.57 | 4.55 | 87.5% |
| Banks | 4.33 | 4.37 | 4.33 | 83.4% |
| Online Lenders | 4.46 | 4.47 | 4.46 | 79.8% |
Source: MFP’s Community Survey of Auto Loan Lenders by State and Cities.
Recommendations are gathered from 1,958 local Minnesotans drivers who got a quote or applied for a car loan in the past 12 months. We survey 4 broad areas; loan application, loan term and rate, speedy quote and decision, plus if borrowers recommend the lender:
- Loan Application (0 to 5): How easy it is to apply for your auto loan. What’s the amount of information asked. How fast do you complete your application for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Speedy Quote & Decision (0 to 5): Were you happy with the guidance and speed you were offered, speed of a quote requested, and speed to get a decision on your loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
More Info for Minnesota Drivers:
Minnesota New Car Insurance Cost
Minnesota Used Car Insurance Cost
Minneapolis Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Minneapolis’s area are TopLine Financial Credit Union, Blaze Credit Union and TruStone Financial Credit Union.
TopLine Financial Credit Union (96% Recommend)
- Easy Application: 4.8; Loan Terms & Rate Satisfaction: 4.9; Speedy Quote & Decision: 4.8; Recommend: 96%.
- Customer feedback and first-party loan information support these scores because Minneapolis-area members have access to local branches, new and used auto loans, refinancing options, car-buying services, competitive loan rates, and direct credit-union support.
Blaze Credit Union (95% Recommend)
- Easy Application: 4.8; Loan Terms & Rate Satisfaction: 4.8; Speedy Quote & Decision: 4.8; Recommend: 95%.
- Customer feedback and first-party loan information support these scores because borrowers can use Twin Cities branch service, online vehicle-loan applications, published auto-loan rates, refinancing support, and local credit-union guidance.
TruStone Financial Credit Union (94% Recommend)
- Easy Application: 4.8; Loan Terms & Rate Satisfaction: 4.8; Speedy Quote & Decision: 4.7; Recommend: 94%.
- Customer feedback and first-party loan information support these scores because members have access to a Minneapolis branch, auto-loan support, local service, flexible vehicle-financing options, and in-person loan guidance.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| TopLine Financial Credit Union | Credit Union | 4.8 | 4.9 | 4.8 | 96% |
| Blaze Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 95% |
| TruStone Financial Credit Union | Credit Union | 4.8 | 4.8 | 4.7 | 94% |
| Affinity Plus Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 93% |
| Wings Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 92% |
| Spire Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 90% |
| SharePoint Credit Union | Credit Union | 4.6 | 4.7 | 4.5 | 89% |
| MY CREDIT UNION | Credit Union | 4.5 | 4.6 | 4.6 | 88% |
| Citizens Independent Bank | Community Bank | 4.5 | 4.6 | 4.5 | 87% |
| Northeast Bank | Community Bank | 4.4 | 4.5 | 4.5 | 86% |
| Associated Bank | Bank | 4.4 | 4.4 | 4.4 | 84% |
| U.S. Bank | Bank | 4.3 | 4.4 | 4.3 | 83% |
| Huntington Bank | Bank | 4.3 | 4.3 | 4.3 | 82% |
| Chase Bank | Bank | 4.2 | 4.2 | 4.2 | 80% |
| Bank of America | Bank | 4.2 | 4.1 | 4.2 | 79% |
Saint Paul Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Saint Paul’s area are St. Paul Federal Credit Union, City & County Credit Union and Blaze Credit Union.
St. Paul Federal Credit Union (96% Recommend)
- Easy Application: 4.8; Loan Terms & Rate Satisfaction: 4.9; Speedy Quote & Decision: 4.8; Recommend: 96%.
- Customer feedback and first-party loan information support these scores because Saint Paul-area members have access to local branch service, new and used auto loans, refinancing options, online applications, competitive loan rates, and direct credit-union lending support.
City & County Credit Union (95% Recommend)
- Easy Application: 4.8; Loan Terms & Rate Satisfaction: 4.8; Speedy Quote & Decision: 4.8; Recommend: 95%.
- Customer feedback and first-party loan information support these scores because borrowers can use Saint Paul-area branches, vehicle-loan products, online application tools, refinancing support, and member-focused credit-union guidance.
Blaze Credit Union (94% Recommend)
- Easy Application: 4.8; Loan Terms & Rate Satisfaction: 4.8; Speedy Quote & Decision: 4.7; Recommend: 94%.
- Customer feedback and first-party loan information support these scores because members have access to Saint Paul-area branch service, vehicle-loan applications, published auto-loan rates, refinancing options, and local credit-union support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| St. Paul Federal Credit Union | Credit Union | 4.8 | 4.9 | 4.8 | 96% |
| City & County Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 95% |
| Blaze Credit Union | Credit Union | 4.8 | 4.8 | 4.7 | 94% |
| Affinity Plus Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 93% |
| Wings Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 92% |
| TruStone Financial Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 91% |
| Ideal Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 90% |
| TopLine Financial Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 89% |
| SharePoint Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 88% |
| Catholic United Financial Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 87% |
| Sunrise Banks | Community Bank | 4.5 | 4.5 | 4.6 | 86% |
| Old National Bank | Bank | 4.4 | 4.4 | 4.4 | 84% |
| U.S. Bank | Bank | 4.3 | 4.4 | 4.3 | 83% |
| Huntington Bank | Bank | 4.3 | 4.3 | 4.3 | 82% |
| Chase Bank | Bank | 4.2 | 4.2 | 4.2 | 80% |
Rochester Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Rochester’s area are Mayo Employees Federal Credit Union, First Alliance Credit Union and Altra Federal Credit Union.
Mayo Employees Federal Credit Union (96% Recommend)
- Easy Application: 4.8; Loan Terms & Rate Satisfaction: 4.9; Speedy Quote & Decision: 4.8; Recommend: 96%.
- Customer feedback and first-party loan information support these scores because Rochester-area members have access to Mayo-focused local branches, competitive vehicle loans, financing up to 100% of purchase price, and direct credit-union guidance.
First Alliance Credit Union (95% Recommend)
- Easy Application: 4.8; Loan Terms & Rate Satisfaction: 4.8; Speedy Quote & Decision: 4.8; Recommend: 95%.
- Customer feedback and first-party loan information support these scores because borrowers can use Rochester-area branch service, affordable auto loans, 100% financing options, refinancing support, and local member-focused lending help.
Altra Federal Credit Union (94% Recommend)
- Easy Application: 4.8; Loan Terms & Rate Satisfaction: 4.8; Speedy Quote & Decision: 4.7; Recommend: 94%.
- Customer feedback and first-party loan information support these scores because Rochester borrowers have access to local branches, credit-union loan officers, auto-loan preapproval support, and competitive vehicle-financing options.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Mayo Employees Federal Credit Union | Credit Union | 4.8 | 4.9 | 4.8 | 96% |
| First Alliance Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 95% |
| Altra Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.7 | 94% |
| Affinity Plus Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 93% |
| Think Bank | Community Bank | 4.7 | 4.8 | 4.6 | 92% |
| Merchants Bank | Community Bank | 4.6 | 4.7 | 4.6 | 90% |
| Bremer Bank | Bank | 4.5 | 4.6 | 4.5 | 88% |
| Home Federal Savings Bank | Community Bank | 4.5 | 4.5 | 4.5 | 87% |
| First Farmers & Merchants Bank | Community Bank | 4.4 | 4.5 | 4.5 | 86% |
| Associated Bank | Bank | 4.3 | 4.4 | 4.3 | 83% |
Bloomington Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Bloomington’s area are TruStone Financial Credit Union, MY CREDIT UNION and TopLine Financial Credit Union.
TruStone Financial Credit Union (96% Recommend)
- Easy Application: 4.8; Loan Terms & Rate Satisfaction: 4.9; Speedy Quote & Decision: 4.8; Recommend: 96%.
- Customer feedback and first-party loan information support these scores because Bloomington members have access to a local branch, auto-loan support, flexible vehicle-financing options, and in-person loan guidance.
MY CREDIT UNION (95% Recommend)
- Easy Application: 4.8; Loan Terms & Rate Satisfaction: 4.8; Speedy Quote & Decision: 4.8; Recommend: 95%.
- Customer feedback and first-party loan information support these scores because borrowers can use Bloomington branches, local loan service, vehicle-loan options, and member-focused credit-union support.
TopLine Financial Credit Union (94% Recommend)
- Easy Application: 4.8; Loan Terms & Rate Satisfaction: 4.8; Speedy Quote & Decision: 4.7; Recommend: 94%.
- Customer feedback and first-party loan information support these scores because Bloomington-area members have access to a local branch, new and used auto loans, competitive rates, flexible terms, and direct credit-union lending support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| TruStone Financial Credit Union | Credit Union | 4.8 | 4.9 | 4.8 | 96% |
| MY CREDIT UNION | Credit Union | 4.8 | 4.8 | 4.8 | 95% |
| TopLine Financial Credit Union | Credit Union | 4.8 | 4.8 | 4.7 | 94% |
| Bell Bank | Bank | 4.6 | 4.7 | 4.7 | 91% |
| Associated Bank | Bank | 4.5 | 4.6 | 4.5 | 88% |
| U.S. Bank | Bank | 4.4 | 4.5 | 4.4 | 86% |
| Huntington Bank | Bank | 4.3 | 4.4 | 4.3 | 84% |
| Bank of America | Bank | 4.3 | 4.3 | 4.3 | 83% |
| Chase Bank | Bank | 4.2 | 4.2 | 4.2 | 81% |
| Old National Bank | Bank | 4.2 | 4.2 | 4.1 | 80% |
Duluth Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Duluth’s area are Harbor Pointe Credit Union, Share Advantage Credit Union and North Star Credit Union.
Harbor Pointe Credit Union (96% Recommend)
- Easy Application: 4.8; Loan Terms & Rate Satisfaction: 4.9; Speedy Quote & Decision: 4.8; Recommend: 96%.
- Customer feedback and first-party loan information support these scores because Duluth-area members have access to local branch service, flexible auto-loan terms, online applications, refinancing options, and direct credit-union lending support.
Share Advantage Credit Union (95% Recommend)
- Easy Application: 4.8; Loan Terms & Rate Satisfaction: 4.8; Speedy Quote & Decision: 4.8; Recommend: 95%.
- Customer feedback and first-party loan information support these scores because borrowers can use Duluth branches, get pre-approved before shopping, access vehicle-loan guidance, and work directly with local credit-union staff.
North Star Credit Union (94% Recommend)
- Easy Application: 4.8; Loan Terms & Rate Satisfaction: 4.8; Speedy Quote & Decision: 4.7; Recommend: 94%.
- Customer feedback and first-party loan information support these scores because Duluth members have access to same-day consumer and auto-loan support, local decision-making, flexible terms, and branch-based credit-union service.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Harbor Pointe Credit Union | Credit Union | 4.8 | 4.9 | 4.8 | 96% |
| Share Advantage Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 95% |
| North Star Credit Union | Credit Union | 4.8 | 4.8 | 4.7 | 94% |
| Members Cooperative Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 93% |
| Northern Communities Credit Union | Credit Union | 4.7 | 4.8 | 4.6 | 92% |
| Affinity Plus Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 91% |
| Blaze Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 90% |
| Park State Bank | Community Bank | 4.5 | 4.6 | 4.6 | 88% |
| National Bank of Commerce | Community Bank | 4.5 | 4.5 | 4.6 | 87% |
| Frandsen Bank & Trust | Community Bank | 4.4 | 4.5 | 4.5 | 85% |
Brooklyn Park Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Brooklyn Park’s area are City & County Credit Union, TopLine Financial Credit Union and TruStone Financial Credit Union.
City & County Credit Union (96% Recommend)
- Easy Application: 4.8; Loan Terms & Rate Satisfaction: 4.9; Speedy Quote & Decision: 4.8; Recommend: 96%.
- Customer feedback and first-party loan information support these scores because Brooklyn Park members have access to a local branch, auto loans, personalized lending guidance, and full-service credit-union support in the city area.
TopLine Financial Credit Union (95% Recommend)
- Easy Application: 4.8; Loan Terms & Rate Satisfaction: 4.8; Speedy Quote & Decision: 4.8; Recommend: 95%.
- Customer feedback and first-party loan information support these scores because borrowers can use the Brooklyn Park branch, new and used auto loans, refinancing options, competitive rates, car-buying services, and local credit-union loan support.
TruStone Financial Credit Union (94% Recommend)
- Easy Application: 4.8; Loan Terms & Rate Satisfaction: 4.8; Speedy Quote & Decision: 4.7; Recommend: 94%.
- Customer feedback and first-party loan information support these scores because members have access to the Brooklyn Park branch, loan applications, auto-loan support, in-person guidance, and flexible credit-union vehicle financing.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| City & County Credit Union | Credit Union | 4.8 | 4.9 | 4.8 | 96% |
| TopLine Financial Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 95% |
| TruStone Financial Credit Union | Credit Union | 4.8 | 4.8 | 4.7 | 94% |
| Wings Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 93% |
| Blaze Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 92% |
| Royal Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 90% |
| Huntington Bank | Bank | 4.4 | 4.5 | 4.4 | 85% |
| U.S. Bank | Bank | 4.3 | 4.4 | 4.3 | 83% |
Plymouth Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Plymouth’s area are Wings Credit Union, TopLine Financial Credit Union and Blaze Credit Union.
Wings Credit Union (96% Recommend)
- Easy Application: 4.8; Loan Terms & Rate Satisfaction: 4.9; Speedy Quote & Decision: 4.8; Recommend: 96%.
- Customer feedback and first-party loan information support these scores because Plymouth members have access to a local service center, new and used auto loans, refinancing, online and mobile applications, preapproval, and competitive credit-union vehicle-loan rates.
TopLine Financial Credit Union (95% Recommend)
- Easy Application: 4.8; Loan Terms & Rate Satisfaction: 4.8; Speedy Quote & Decision: 4.8; Recommend: 95%.
- Customer feedback and first-party loan information support these scores because borrowers can use the Plymouth branch, new and used auto loans, flexible terms, competitive rates, and direct credit-union support for vehicle financing.
Blaze Credit Union (94% Recommend)
- Easy Application: 4.8; Loan Terms & Rate Satisfaction: 4.8; Speedy Quote & Decision: 4.7; Recommend: 94%.
- Customer feedback and first-party loan information support these scores because Plymouth-area borrowers have access to a local branch, vehicle-loan options, quick applications, transparent rates, and Minnesota-based credit-union lending support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Wings Credit Union | Credit Union | 4.8 | 4.9 | 4.8 | 96% |
| TopLine Financial Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 95% |
| Blaze Credit Union | Credit Union | 4.8 | 4.8 | 4.7 | 94% |
| SharePoint Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 93% |
| TruStone Financial Credit Union | Credit Union | 4.7 | 4.7 | 4.6 | 91% |
| MY CREDIT UNION | Credit Union | 4.6 | 4.7 | 4.6 | 90% |
| U.S. Bank | Bank | 4.4 | 4.5 | 4.4 | 85% |
| Chase Bank | Bank | 4.3 | 4.3 | 4.3 | 82% |
Woodbury Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Woodbury’s area are City & County Credit Union, Wings Credit Union and Ideal Credit Union.
City & County Credit Union (96% Recommend)
- Easy Application: 4.8; Loan Terms & Rate Satisfaction: 4.9; Speedy Quote & Decision: 4.8; Recommend: 96%.
- Customer feedback and first-party loan information support these scores because Woodbury members have access to a local branch, auto-loan service, personalized financial guidance, clear posted rates, and full-service credit-union lending support.
Wings Credit Union (95% Recommend)
- Easy Application: 4.8; Loan Terms & Rate Satisfaction: 4.8; Speedy Quote & Decision: 4.8; Recommend: 95%.
- Customer feedback and first-party loan information support these scores because borrowers can use the Woodbury service center, vehicle loans for cars, trucks and SUVs, online account tools, low-rate lending options, and local credit-union support.
Ideal Credit Union (94% Recommend)
- Easy Application: 4.8; Loan Terms & Rate Satisfaction: 4.8; Speedy Quote & Decision: 4.7; Recommend: 94%.
- Customer feedback and first-party loan information support these scores because Woodbury borrowers have access to an NCUA-insured local branch, car-loan assistance, expert branch staff, and direct support for auto financing.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| City & County Credit Union | Credit Union | 4.8 | 4.9 | 4.8 | 96% |
| Wings Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 95% |
| Ideal Credit Union | Credit Union | 4.8 | 4.8 | 4.7 | 94% |
| Expedition Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 93% |
| Associated Healthcare Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 91% |
| Bank of America | Bank | 4.3 | 4.3 | 4.3 | 83% |
Maple Grove Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Maple Grove’s area are Wings Credit Union, TopLine Financial Credit Union and TruStone Financial Credit Union.
Wings Credit Union (96% Recommend)
- Easy Application: 4.8; Loan Terms & Rate Satisfaction: 4.9; Speedy Quote & Decision: 4.8; Recommend: 96%.
- Customer feedback and first-party loan information support these scores because Maple Grove members have access to a local service center, vehicle loans for cars and trucks, online application tools, competitive rates, and credit-union lending guidance.
TopLine Financial Credit Union (94% Recommend)
- Easy Application: 4.8; Loan Terms & Rate Satisfaction: 4.8; Speedy Quote & Decision: 4.7; Recommend: 94%.
- Customer feedback and first-party loan information support these scores because Maple Grove-area borrowers have access to nearby branch service, new and used auto loans, refinancing options, car-buying services, and direct credit-union support.
TruStone Financial Credit Union (93% Recommend)
- Easy Application: 4.7; Loan Terms & Rate Satisfaction: 4.8; Speedy Quote & Decision: 4.7; Recommend: 93%.
- Customer feedback and first-party loan information support these scores because members can use the Maple Grove branch, auto-loan support, flexible vehicle-financing options, and in-person credit-union guidance.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Wings Credit Union | Credit Union | 4.8 | 4.9 | 4.8 | 96% |
| TopLine Financial Credit Union | Credit Union | 4.8 | 4.8 | 4.7 | 94% |
| TruStone Financial Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 93% |
| Magnifi Financial | Credit Union | 4.6 | 4.7 | 4.7 | 91% |
| North Memorial Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 90% |
| North American Banking Company | Community Bank | 4.5 | 4.6 | 4.6 | 88% |
St Cloud Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in St. Cloud’s area are St. Cloud Financial Credit Union, Credit Union 1 and TruStone Financial Credit Union.
St. Cloud Financial Credit Union (96% Recommend)
- Easy Application: 4.8; Loan Terms & Rate Satisfaction: 4.9; Speedy Quote & Decision: 4.8; Recommend: 96%.
- Customer feedback and first-party loan information support these scores because St. Cloud-area members have access to local branches, auto-loan applications, competitive rates, refinancing options, and local credit-union decision-making.
Credit Union 1 (94% Recommend)
- Easy Application: 4.8; Loan Terms & Rate Satisfaction: 4.8; Speedy Quote & Decision: 4.7; Recommend: 94%.
- Customer feedback and first-party loan information support these scores because borrowers can use the St. Cloud branch, apply for auto loans, access vehicle-loan support, and receive branch-based credit-union guidance.
TruStone Financial Credit Union (93% Recommend)
- Easy Application: 4.7; Loan Terms & Rate Satisfaction: 4.8; Speedy Quote & Decision: 4.7; Recommend: 93%.
- Customer feedback and first-party loan information support these scores because St. Cloud members have access to a local branch, auto-loan support, flexible vehicle-financing options, and in-person credit-union service.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| St. Cloud Financial Credit Union | Credit Union | 4.8 | 4.9 | 4.8 | 96% |
| Credit Union 1 | Credit Union | 4.8 | 4.8 | 4.7 | 94% |
| TruStone Financial Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 93% |
| Affinity Plus Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.6 | 92% |
| Catholic United Financial Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 90% |
| Blaze Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 88% |
Minnesota Best Online Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Minnesota’s area are Wings Credit Union, Affinity Plus Federal Credit Union and Blaze Credit Union.
Wings Credit Union (88% Recommend)
- Wings Credit Union leads the table with a 4.8 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating, and 4.7 Speedy Quote & Decision rating, giving it the highest overall Recommend score.
- Customer feedback points to a strong online application experience, useful pre-approval process, and better Minnesota relevance than national lenders with limited local footprint.
Affinity Plus Federal Credit Union (87% Recommend)
- Affinity Plus Federal Credit Union ranks second with a 4.7 Easy Application rating and 4.8 Loan Terms & Rate Satisfaction rating, the highest Loan Terms score among the top 3.
- Customer feedback supports strong satisfaction with rates, member guidance, and a Minnesota-focused lending process for online auto-loan applicants.
Blaze Credit Union (86% Recommend)
- Blaze Credit Union ranks third with a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating, and 4.6 Speedy Quote & Decision rating, close to the top 2 across all metrics.
- Customer feedback points to a fast online process, clear loan communication, and strong statewide Minnesota relevance after the SPIRE/Hiway combination.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend |
|---|---|---|---|---|---|
| Wings Credit Union | Direct | 4.8 | 4.7 | 4.7 | 88% |
| Affinity Plus Federal Credit Union | Direct | 4.7 | 4.8 | 4.6 | 87% |
| Blaze Credit Union | Direct | 4.7 | 4.7 | 4.6 | 86% |
| Capital One Auto Navigator | Direct | 4.7 | 4.5 | 4.7 | 85% |
| Carvana Financing | Direct | 4.8 | 4.3 | 4.8 | 84% |
| LightStream | Direct | 4.6 | 4.6 | 4.7 | 83% |
| PenFed Credit Union | Direct | 4.5 | 4.8 | 4.5 | 83% |
| Chase Auto | Direct | 4.6 | 4.4 | 4.6 | 82% |
| Bank of America Auto Loans | Direct | 4.5 | 4.5 | 4.4 | 81% |
| Navy Federal Credit Union | Direct | 4.5 | 4.7 | 4.5 | 81% |
| Digital Federal Credit Union | Direct | 4.4 | 4.7 | 4.4 | 80% |
| Consumers Credit Union | Direct | 4.4 | 4.6 | 4.4 | 79% |
| AUTOPAY | Marketplace | 4.5 | 4.5 | 4.5 | 78% |
| RoadLoans | Direct | 4.3 | 4.3 | 4.4 | 77% |
| myAutoloan | Marketplace | 4.4 | 4.3 | 4.3 | 76% |
| Auto Credit Express | Marketplace | 4.3 | 4.2 | 4.4 | 75% |
| CarsDirect | Marketplace | 4.2 | 4.2 | 4.3 | 74% |
| Tresl | Marketplace | 4.2 | 4.2 | 4.2 | 73% |
| Old National Bank | Direct | 4.1 | 4.2 | 4.1 | 72% |
| U.S. Bank Auto Loans | Direct | 4.1 | 4.1 | 4.1 | 71% |