Affinity Plus Auto Loan Calculator, Interest Rates & Overview

How to apply for an Affinity Plus auto loan

Eligibility criteria

• You must be an Affinity Plus member.
• You must be 18 years old or have the legal capacity to contract for car financing in your state of residence.
• You must be either a U.S. citizen or a resident alien (permanent or non-permanent).

How to join Affinity Plus Federal Credit Union

Check to see if you’re eligible to join Affinity Plus Federal Credit Union. Requirements to join include the following:

• You are employed by: Affinity Plus Federal Credit Union, the State of Minnesota, the University of Minnesota Twin Cities, a Preferred Partner company, or any organization that receives funding from the State of Minnesota (including, but not limited to, most schools, community colleges, private and public universities, nursing homes and hospitals, counties, cities, and nonprofit groups).
• You are a student or alumni of the following schools: MN State community colleges, MN State technical colleges, Bemidji State University, Metropolitan State University, Minnesota State University (Mankato), Minnesota State University (Moorhead), Southwest Minnesota State University, St. Cloud State University, Winona State University, or any other Minnesota State college and university.
• You live, work, or worship in the following communities: Arden Hills, Minneapolis (Downtown), Mounds View, New Brighton, Roseville, Shoreview, St. Anthony, St. Paul (Downtown), and White Earth Reservation.
• You have a relative and/or roommate who is eligible or is a current member.
• If you do not qualify for any of the abovementioned criteria, you can still be eligible by making a one-time $25 dues payment to the Affinity Plus Foundation.
• View the full criteria eligibility at the Affinity Plus website.

To join the credit union:

• Fill out a membership application on the online banking page. The online application is for US citizens and permanent residents over 18 years old. For non-US citizens or international students, apply for membership by calling 800-322-7228, visiting one of Affinity Plus branches, or through video banking.
• Provide a copy of any valid unexpired government-issued photo ID (driver’s license, passport, state ID) with your current residential address, your social security number, and your bank account information. For non-US citizens or international students, submit a copy of your visa, I-20 form, or other documentation.
• Deposit $10 by using Affinity Plus online banking page or mobile banking app. You can also bring cash to a branch or pay via other available membership payment options.

What you’ll need to have ready:

Look at the personal information below. The lender might ask you about these when you apply for auto financing with Affinity Plus.

• Your full name
• Your current and/or permanent place of residence
• Your U.S. citizenship status
• An active email address
• Your Social Security number
• Your employment or business information
• Details on your sources of income and/or earnings

You may also need to provide Affinity Plus with additional documents to complete your loan request:

• Federal tax returns and W-2s
• Bank deposits and other financial statements
• Proof of good credit standing.
• Car registration and title
• Purchase agreement or bill of sale

If you’re purchasing from a dealership:

You have to mail a copy of your purchase agreement that shows Affinity Plus as the lienholder to this address:

Affinity Plus Federal Credit Union
PO Box 20650
Lehigh Valley, PA 18002

If you are buying from a private party:

You have to send via email the following details:

• Current vehicle mileage
• An image of the vehicle title

If you are applying for a refinancing loan:

For refinancing new or used cars or other types of vehicles:

• Bring to the nearest branch an original, hard copy of the vehicle title with your signature. Alternatively, you can also mail it to your loan contact person or credit union representative.
• Send via email a photo of your signed title, 15-Day payoff statement from the current lender, insurance details, and preferred due date.
• Pay the $13 DMV fee. You can choose to have this deducted from the loan proceeds or from your other Affinity Plus accounts.

If you are looking to buy out a lease:

For lease buyouts, you need to mail the following:

• An image of the current odometer reading.
• A copy of your lease buyout instructions.
• A copy of the purchase agreement that shows Affinity Plus as the lienholder.
• Your preference for paying the DMV fee and sales tax. You can choose to have this deducted from the loan proceeds or your other Affinity Plus accounts.

Having all these details ready will help Affinity Plus Federal Credit Union process your auto loan application more quickly. View the step-by-step auto loan approval process at the Affinity Plus website.

Ways to apply for an Affinity Plus auto loan:

• Apply online by clicking the GO TO SITE link in the table below
• Visit a branch
• Call 800-322-7228