Auto Loans

Hit the road with payments you'll love.

New or used, Town and Country Credit Union helps drivers get the monthly payment that fits your budget. We offer competitive car loan interest rates, meaning you get to keep more money in your pocket when financing your next vehicle.

Plus, our in-house financing allows for quick decision making so you can head to the dealership with a pre-approval in hand — on your own schedule.

Apply online today!

A credit union auto loan from Town & Country comes with more than just a great rate. Here are some of our members' favorite benefits: 

• Up to 100% Financing: Borrow up to 100% of the Manufacturer's Suggested Retail Price.
• Financing Available for Extra Costs: Roll additional fees into your auto loan, including taxes, document fees, Credit Life and Disability Insurance, GAP Coverage, and extended warranties.
• Predictable Monthly Payments: Access competitive, fixed interest rates that stay the same throughout the life of the loan.
• Stay on Budget: Our flexible terms are available for up to 72 months to help keep payments affordable.
• No Credit History Required: Qualify for a competitive rate even if you don't have an established credit history yet.

First Car Loans

Are you looking to purchase your first car or a parent buying your child their first car? We offer some of the best car loans for first time buyers. Learn more about our special offer for ages 23 and under.

Customize Your Credit Union Auto Loan

Your car, your terms. Add extra protection with optional coverage that gives you peace of mind. 

Extended Warranties

We offer three levels of protection for new and used vehicles, purchased or leased. Our warranties are competitively priced and typically lower than a dealer. And if the need arises, we'll be here to help you access your warranty so you're never driving solo. 

Guaranteed Asset Protection (GAP) Coverage

GAP coverage pays the difference between the balance of your loan and what your insurance company pays in the event your vehicle is in an accident and is considered a covered total loss. Our GAP program includes complimentary Auto Deductible Reimbursement (ADR), which will reimburse you for the comprehensive or collision deductible incurred up to the policy maximum. ADR covers vehicles registered in your name and insured under your individual primary auto insurance policy.  

Insurance

Are you looking to insure your new car, motorcycle, snowmobile, Jet Ski, ATV, and other toys? Or maybe you'd like to review your current insurance policies to ensure you're fully covered. Town & Country Insurance Agency has experienced agents in Fargo, Minot, and Berthold, ready to help! Learn more about insurance and get connected with a local agent.  

Additional Auto Loan Resources

Take the guesswork out of car shopping with our convenient resources, so you can plan with confidence.  

Trade-In Value Research Tool

Purchasing a used vehicle or wondering what your trade-in value might be? Visit the National Automobile Dealers Association (NADA) website to research new and used car book values, trade-in values, ratings, specs and view photos.  

Auto Loan Calculators

Find out how much you can afford to purchase and what your monthly payment could be by comparing multiple auto loan terms with our selection of calculators. It's the perfect way to test drive a new payment before you make a purchase. You can even explore whether or not it makes sense to refinance an existing car loan.  

How to Apply for an Auto Loan

Applying for a car loan with Town & Country is simple. Just fill out our online application form with some basic personal information, like your contact details, driver's license information, work, and income details.

Need some extra support? Call your local branch and talk to one of our auto loan experts who can answer your questions and help you make the best decision, before you head to the dealership.

Ready to Get Started?

Town and Country Credit Union's auto financing team is here to help you qualify for your next car loan. Our credit union auto loans are available in Fargo, Kenmare, Minot, Stanley, West Fargo, Moorhead and more.

Your new car is waiting. We're here to help you find an auto loan that fits.

*APR = Annual Percentage Rate. Stated rate is effective 11/25/2025. Rate and approval based on credit history and underwriting factors. Terms, conditions and restrictions may apply and are subject to change.