Car loans in Minnesota

Rejoice! You Can Apply For a Car Loan in Minnesota!

Minnesota Auto Loans

Car loans in Minnesota can be a great experience, if you’re dealing with the right people. When you’re trying to get from Minneapolis to Rochester, it’s a lot easier behind the wheel of your own vehicle, and having credit problems won’t necessarily stop you from getting the transportation you need.

RoadLoans, the direct-lending platform of Santander Consumer USA, accepts applications for car loans in Minnesota from people with all types of credit, including bad credit,* and provides customers with a quick, streamlined process. Wherever you live in the North Star State, applying is easy. You can complete our simple online application in minutes, from home, work or on the go, and receive an instant loan decision. If approved, you have up to 30 days to shop for your perfect car, truck or SUV.

And we can help you with that. RoadLoans works with a network of dealerships across Minnesota, and we will include a recommended local dealership within your loan packet. Once at the dealership, the staff will be able to show you select, high quality new and used cars meeting our standards for age, mileage and financing. Not only can you enjoy the feeling of shopping with a loan approval in your hand, you can choose a vehicle with confidence.

Perhaps you don’t want a new vehicle yet, but rather, you’re looking to refinance your current car loan. The application process for refinancing is just as simple as that for a car loan. If approved, there may be options to reduce your monthly payment, get a lower interest rate loan, or walk away with cash back to spend elsewhere.† Learn more here. Take a few minutes to apply and see if you’re approved.

Apply For Auto Financing

All Credit Types Can Apply


Interest rates go up and down over time, and they may also vary from place to place. Shopping around for car loans in Minnesota with different lenders could give you an idea of the rates and terms that may be available to you, in your part of the state.

RoadLoans is able to offer approved applicants competitive car loan rates for their individual situations, and will provide them with a free copy of their credit report upon request. When they’re up and running, we give our customers the option to pay off their loans as early as they want, and never charge prepayment fees.

Shopping for car loans in Minnesota doesn’t have to be complicated. Start by applying with RoadLoans and get an instant decision.

Get Started Here

* “Bad” or “poor” credit generally is considered a FICO score around 600 and below by sources including the Consumer Federation of America and National Credit Reporting Association (reported by the Associated Press),,, Investopedia, and others. The Congressional Budget Office identifies a FICO score of 620 as the “cutoff” for prime loans. FICO scores are not the sole factor in lending decisions by and Santander Consumer USA.

† States eligible for cash-back include: AL, AZ, CA, CO, DE, FL, GA, ID, IL, IN, IA, LA, ME, MD, MI, MN, MO, MT, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VT, WA, WV, WI, WY.