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Vehicle Loans

Firefly is your auto and recreational loan financing partner.

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 with our simple application and timely decisions so you can focus on the more important things in your life. Whether you’re buying a vehicle or refinancing an existing loan, we’ll get you on the road faster.

Great New & Used Rates

Great New & Used Rates

As low as 1.89% APR*
No Refinancing Fees
View all rates

Term Options

Term Options

24, 36, 48, 60, 72 or 144 months
Payment Options

Payment Options

Automatic withdrawal discount or coupon payment available
Deferred Payment

Deferred Payment

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

Get going on your next adventure.

OR
stop by your nearest location

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

NO PAYMENTS FOR 90 DAYS!
APR as low as based on model year
Click here to calculate your payment
Term 2012 and newer 2011 and older
0 to 24 months 1.89%* 3.39%*
25 to 36 months 1.89%* 3.39%*
37 to 48 months 1.99%* 3.49%*
49 to 60 months 2.09%* 3.59%*
61 to 72 months 2.19%* 4.59%*
73 to 84 months - $25,000+ 2.69%*

*APR = Annual Percentage Rate. Rates include a .5% APR discount for repayment of loan through payroll deduction or debit from a Firefly account. Add .25% APR to rates if payment is a debit from another financial institution. 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. Vehicle, Boat & RV Loans: 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.

Recreation Vehicles

APR as low as based on model year
Click here to calculate your payment
Term 2012 and newer 2011 and older
0 to 36 months - over $50,000 2.49%* 3.49%*
0 to 36 months - $25,000 to $49,999 2.99%* 3.99%*
0 to 36 months - less than $25,000 3.49%* 4.49%*
37 to 48 months - over $50,000 2.59%* 3.49%*
37 to 48 months - $25,000 to $49,999 3.09%* 3.99%*
37 to 48 months - less than $25,000 3.59%* 4.49%*
49 to 60 months - over $50,000 2.69%* 3.59%*
49 to 60 months - $25,000 to $49,999 3.19%* 4.09%*
49 to 60 months - less than $25,000 3.69%* 4.59%*
61 to 72 months - over $50,000 3.24%* 4.24%*
61 to 72 months - $25,000 to $49,999 3.74%* 4.74%*
61 to 72 months - less than $25,000 4.24%* 5.24%*
72 to 144 months - over $50,000 4.29%* 5.49%*
72 to 144 months - $25,000 to $49,999 4.79%* 5.99%*
72 to 144 months - less than $25,000 5.29%* 6.49%*

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.
  • Being a Firefly member opens the door to auto insurance policy discounts from Liberty Mutual.

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 Program

Exclusively for credit union members like you, the TruStage Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.

Get your free quote today or call 1-855-483-2149.

TruStage® Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. AHE, AHL-1339661.1

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

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
1.89%APR

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 vehicles, including recreational vehicles such as boats, motorcycles and RVs. Our rates also save you money when you refinance your existing loan from another lender.