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AUTO Loans

Firefly gets you on the road faster.

After spending hours researching vehicles, we want to make sure financing one is quick and easy. With Firefly, you’ll save valuable time and money whether you’re buying new or refinancing an existing loan with our simple application and timely decisions so you can focus on the more important things in your life.

Compared to banks, members save an average of $405 annually with a Firefly auto loan.
Learn more about the value of a Firefly membership.

Great New & Used Rates

Great New & Used Rates

Competitive rates as

low as 3.24% APR* &
no refinancing fees
View all rates

Term Options

Term Options

24, 36, 48, 60, or 72 months
Payment Options

Payment Options

Choose from automatic withdrawal, bill pay, or coupon payment
Deferred Payment

Deferred Payment

90 days without payment
(Interest will accrue during that time)

Get going on your next adventure.

Calculate potential savings from refinancing your auto loan with Firefly

Cars, Trucks, SUVs, Vans & Street-legal Motorcycles

Effective January 28, 2019; APR as low as based on model year

Calculate your payment

Term 2015 and newer 2014 and older
0 to 24 months 3.24% 3.74%
25 to 36 months 3.24% 3.74%
37 to 48 months 3.34% 3.84%
49 to 60 months 3.54% 4.09%
61 to 72 months 3.84% 5.09%
73 to 84 months - $25,000+ 4.24% N/A%

Rates may be higher depending on credit qualifiers, model year and the loan term. Credit qualifiers determine eligibility for 100% financing, in some cases a down payment may be required. Interest will accrue during first 90 days without payment.

All loans subject to normal credit approval. Rates and terms subject to change. Contact a Firefly loan officer for details. All loan rates presented for consumer loans only and not applicable to business loans.


Loan Coverage

When you apply for a Firefly vehicle loan, ask about our additional product options:

  • MEMBER’S CHOICE® Mechanical Repair Coverage (MRC) may cover a wide range of repairs and includes 24/7 roadside assistance.
  • MEMBER’S CHOICE® Guaranteed Asset Protection (GAP) helps cover the difference between an insurance settlement and your loan balance in the event of a totaled or stolen vehicle.
  • MEMBER’S CHOICE® Credit Life & Disability Insurance may help cover loan payments in the event of death or total disability.

Assistance and Discounts

We provide tools to shop for vehicles and save money on insurance.

  • RECON Ltd’s free services include negotiating the best price for your vehicle with no obligation to purchase through them. Contact Randy Wintheiser at (952) 736-5074 or email him.

Vehicle Value Statements

As a benefit of having a Firefly auto loan, we'll provide you with an N.A.D.A.-based estimate of your vehicle's equity, designed to help prepare your buying strategy if you’re thinking of selling or trading in your vehicle.

TruStage Auto & Home Insurance

Learn More 

MEMBER’S CHOICE® Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in WA, where coverage is provided and administered by Automotive Warranty Services, Inc., in FL, LA , OK and WI, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023) and in AZ, where the Obligor and Administrator is Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago Illinois 60604, (800) 752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In those states where Mechanical Repair Coverage is offered as insurance (form MCCU-001-MBI) it is underwritten by Virginia Surety Company, Inc. Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement you have with Us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid. Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Group Policy for a full explanation of the terms. CDCL, GAP, MRC-1362376.1-1115-1217


Want to know something else?

Supporting Your Efforts

You make important decisions every day, so sometimes making even one more (especially a financial one) can seem overwhelming. At Firefly, we want to help guide you through those choices so you can be better equipped to decide what’s right for you and your goals. Take a look at some of the resources we have available to you to aid in your financial decision-making process.

Auto Loans rates as low as

Did you know you can tap into your vehicle’s equity to use for home improvements, a vacation, or to pay off higher-rate debt like credit cards? Ask how today.

Helpful Links

Low rates on Minnesota auto loans.

Ready to shift gears? We offer affordable MN auto loan rates for new and used cars, trucks, and motorcycles. Our rates also save you money when you refinance your existing loan from another lender.