Hit the Road with a Blaze Vehicle Loan
Blaze offers vehicle loans for new and used autos. As a proud Minnesota-based credit union, we’re deeply committed to serving our neighbors with the same warmth and integrity that define us as Minnesotans.
Your journey begins at Blaze.
Why Finance Your Car at Blaze
With Blaze, you can apply for a car loan online in minutes and receive a decision within two business hours.
Qualified borrowers may finance up to 125% of MSRP on new vehicles and up to 125% of J.D. Power values on used vehicles. Rates and discounts vary by term, vehicle year, and relationship eligibility.
Customize Your Blaze Vehicle Loan
With low rates and terms up to 84 months, you can choose the right auto loan for the car you want.
Blaze Makes Financing Quick & Easy
Apply for your Blaze loan online in just minutes and find out if you're approved within two business hours.
You can also meet with a Blaze representative to discuss your options and apply on the spot.
Your Loan Stays Local
Our Minnesota-based Blaze loan officers, decision-makers, and servicers make buying a car local and personal.
You'll always know who to contact when you need guidance on the next step of your journey.
Buy Out Your Lease
Save Money With a Lease Buyout from Blaze
If you still enjoy the car you're leasing, you can buy it before your lease ends and avoid excess mileage or maintenance fees.
You've taken care of your car for years—you know it has been well-maintained and drives well. Why start over now? A lease buyout with Blaze could have a lower monthly payment than a loan for a different car.
Get started by requesting a lease buyout quote from your current lender and then apply online for a Blaze Vehicle loan.
Applying for a Blaze Vehicle Loan
Whether you already know which car you want or have no idea what you can afford, Blaze makes the application process quick and easy.
Get Pre-approved for a Vehicle Loan
A smart tip is to get pre-approved for a vehicle loan before you go car shopping.
Blaze will review your credit, employment, income, and asset documentation to evaluate your loan eligibility.
Once the information is reviewed, you will receive a pre-approval letter outlining a specific purchase price, estimated rate, and monthly payment so you can confidently begin car shopping!
Shop for Your Car
It's time to look at and test drive some cars!
With our partner GrooveCar, you can search online for specific makes and models, filter out cars that aren't in your area or in your price range, and calculate your monthly payment.
Processing Your Vehicle Loan
Once you select your car, you'll submit your application and provide the purchase agreement, title, payoff info, and other supporting documentation.
Our Blaze loan processing team will review your loan details and if approved, send your loan documents electronically for you to sign—often within two business hours.
You're ready to drive away in your new car!
Vehicle Loan Rates
Auto loan rates reflect Blaze loyalty benefits including a .25% discount for setting up automatic payments in Blaze Digital Banking, a .25% discount for having an active Blaze checking account, and a .10% discount for having a Blaze Visa® Credit card.
New VehiclesRates Effective: 1/2/2026
Rate Type |
APR* | Monthly Term | Monthly Payments |
|---|---|---|---|
| New Vehicle 2025 & Newer+ | 4.490 | 36 | 297.42 |
| New Vehicle 2025 & Newer | 5.000 | 48 | 230.29 |
| New Vehicle 2025 & Newer | 5.200 | 60 | 189.63 |
| New Vehicle 2025 & Newer | 5.350 | 72 | 162.68 |
| New Vehicle 2025 & Newer | 5.700 | 84 | 144.65 |
Used VehiclesRates Effective: 1/2/2026
Rate Type |
APR* | Monthly Term | Monthly Payments |
|---|---|---|---|
| Used Vehicle (2014-2025)+ | 4.490 | 36 | 297.42 |
| Used Vehicle (2022-2025) | 5.300 | 48 | 231.65 |
| Used Vehicle (2022-2025) | 5.500 | 60 | 191.01 |
| Used Vehicle (2022-2025) | 5.700 | 72 | 164.32 |
| Used Vehicle (2022-2025) | 6.050 | 84 | 146.33 |
| Used Vehicle (2014-2021) | 6.300 | 48 | 236.23 |
| Used Vehicle (2014-2021) | 6.800 | 60 | 197.07 |
| Used Vehicle (2014-2021) | 6.950 | 72 | 170.25 |
*APR= Annual Percentage Rate.
Auto loan rates disclosed reflect a 0.25% discount for automatic payment, a 0.25% discount for having an active checking account, and a 0.10% discount for having a Blaze Visa Credit Card. Finance up to 125% of the MSRP on new autos and 125% of the JD Power values on used autos for qualified borrowers. Rates will be higher on loans with a Loan-to-Value ratio over 85%.
Rates and terms are subject to qualification. Other restrictions may apply.
+Rate based on 36-month term, with automatic payment on autos 2014 and newer. Payment example, a $10,000 auto loan at 4.49% APR for 36-months, monthly payment would be $297.42. Minimum amount financed is $5,000. Other discounts and offers do not apply.
Monthly payments based on $10,000 borrowed.
Loans are subject to credit approval. Other terms and conditions may apply.
New vehicles must be model year 2025 or newer with less than 10,000 miles.
Interest rates subject to change at any time.
See a staff member for details.
Protect Your Vehicle
Protect your vehicle and your finances with mechanical breakdown, guaranteed asset, and auto deductible protection.
Know What You can Afford
There's more to buying a new car than negotiating and signing on the dotted line. Know what your auto loan truly costs and how to navigate the car-buying process.
Calculate Your Journey
Use our free, easy-to-use financial calculators to answer common money questions and help you confidently blaze your financial path.
For Your Information
J.D. Power New and Used Car Values
fueleconomy.gov
carfax.com
2Offer valid on vehicle loans currently financed with a lender other than Blaze. Minimum amount financed is $5,000. $100 will be deposited to the share savings account upon loan account opening. Loans subject to credit approval. Offer subject to change without notice. Other terms and conditions may apply. Must be a Blaze Credit Union member. Member responsible for any applicable taxes. Subject to termination at any time.
