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TopLine Financial Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 09 November 2023
Fact checked

TopLine Financial Credit Union auto loans overview

TopLine Financial Credit Union logo

Chartered in 1935, TopLine Financial Credit Union (TopLine) brings auto loans to members across the entire Twin Cities area. TopLine offers financing for a variety of new and used vehicles, including cars, RVs, campers, boats, motorcycles, and more.

Want to see what a TopLine auto loan will cost? Try the TopLine Financial Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key TopLine Financial Credit Union auto loan features

  • Minimum loan amount: $25,000 for an 84-month term.
  • Maximum loan amount: Undisclosed.
  • Interest rates: As low as 5.74% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Autopay discounts.

TOPLINE FINANCIAL CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Whether you want to buy a vehicle or refinance an existing loan, you can easily apply at TopLine. 2019 and newer models have rates as low as 5.74% APR, and 2017 to 2018 models begin at 6.49% APR. For 2013 and older models, rates start as low as 7.74% APR. Other than low rates, you can finance your vehicle for up to 84 months.

Recreational vehicle loans

Loans for recreational vehicles are also available at the credit union. TopLine CU provides interest rates starting at 7.99% APR for 2016 to newer models. Meanwhile, 2013 to 2015 models begin at 8.54% APR. Depending on your collaterals, repayment periods can be as long as 180 months.

TopLine Financial Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
Topline Federal Credit Union

Topline Federal Credit Union auto loan

Topline Federal Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Topline Federal Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Topline auto loan

Eligibility criteria

Though TopLine CU doesn’t list the specific requirements for vehicle financing, you normally need to be:

  • At least 18 years old
  • A legal resident
  • A member of Topline
  • Employed or have a dependable source of income

Besides meeting the eligibility criteria, make sure your budget is ready. Vehicle loans are normally secured, so you may risk losing your car if you default on your payments.

How to join TopLine Financial Credit Union

You can be a TopLine CU member if you meet one of the following:

  • Live, work, worship, attend school or volunteer in Anoka, Carver, Chisago, Dakota, Hennepin, Isanti, Ramsey, Scott, Sherburne, Washington, or Wright Counties
  • Be an immediate family member of an individual who qualifies for the above

What you’ll need to have ready

Personal details

When you apply for auto financing with TopLine Financial Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide TopLine with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Along with preparing the documents, try to familiarize yourself with how to get an auto loan. This can guide you through each step of the application process. In turn, you can make smarter decisions about financing your dream ride.

Ways to apply for a TopLine auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call (763) 391-9494 or (800) 626-1448

Additional TopLine CU auto loan details

  • Automatic payment: Available.
  • Rate discounts: 0.25% rate discounts for automatic payments from a TopLine Checking or Savings account.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: $0.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Hardship program: Undisclosed.
  • Ways to repay: Online banking, by mail, and over the phone.

Vehicle restrictions and limitations

  • Maximum vehicle age: 2019 or newer for an 84-month term.
  • Maximum vehicle mileage: Less than 50,000 miles for an 84-month term.
  • Other vehicle restrictions: Salvage vehicles are ineligible.

PROS AND CONS

Pros

  • Competitive low rates.
  • Flexible repayment plans.
  • Discounted rates for autopay.
  • Quick loan approval.
  • Free auto-buying services.
  • No prepayment penalties and refinancing fees.
  • 90-day no payment for qualified borrowers.
  • 24/7 online account access.
  • Pre-approval available.
  • Optional GAP insurance, breakdown protection, and debt protection offered.

Cons

  • Membership required.
  • Minimum of $25,000 for loans with 84-month terms.
  • Vehicle leases not offered.

FREQUENTLY ASKED QUESTIONS

Where can I apply for a TopLine Financial Credit Union auto loan?

You can apply online, over the phone, through email, and in person.

How much interest does TopLine CU charge on car loans?

2019 and newer models start at 5.74% APR, while 2018 and older vehicles begin at 6.49% APR.

Are TopLine auto loan interest rates fixed or variable?

TopLine Financial Credit Union offers car loans with fixed interest rates.

What is the maximum length of a TopLine auto loan?

TopLine CU has auto loans with terms of up to 84 months.

Are there discounts available on TopLine CU car loans?

The credit union offers a 0.25% rate discount if you set up automatic payments from a TopLine Checking or Savings account.

Are there early repayment fees on TopLine Financial Credit Union auto loans?

TopLine doesn’t charge a prepayment penalty when you pay off your loan sooner.

How long does TopLine take to approve vehicle finance?

It can take 4 business hours to receive a loan decision once you’ve submitted all the requirements.

Video: Connected, we all do better – TopLine commercial

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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