What We Do Best
Everyone is good at something and at Dakotaland, getting you into your next set of wheels is what we do best. For over 90 years, the financing of auto vehicles for thousands of our members is what has earned us the right to say we are your local lending leader.
Designed With You In MInd
Choosing the Right Type of Loan
We have specific consumer loans designed for autos, recreational vehicles, life events, continued education, debt consolidation, home remodels, VISA credit cards and much more. The length/term of the loan, interest rate, and repayment options can differ for each of these loan types and can be customized to fit your need.
Repayment Options
It is important you are comfortable with your payment. Payroll deductions and autopay are convenient and customizable features, which allow you to format your loan repayment plan to fit. Scheduling around pay days or when other payments are due can significantly affect your monthly cash flow. Determining the frequency of your payments can also be beneficial. Monthly, bi-monthly, or weekly payments give you choices to best suite your situation.
Additional Loan Features
Taking a step beyond the loan, we offer payment protection plans in the event you are unable to make your payments, auto warranty plans to help with expenses related to repairs, and financial counseling services to advise with debt management. Aiding with the processing of vehicle titles and insurance coverage are also benefits designed to support you and the success of your new loan.
APR* AS LOW AS
5.59%

AUTO LOAN RATES
5.59%-16.11% APR*
* annual percentage rate • Rates are subject to change without notice.
APR is determined by credit score using a tiered pricing program to allow as many members as possible to obtain financing.
APR example using $25,000 borrowed.

hit the road
The best way to visit the car lot is with a pre-approval amount in hand. Find out your buying power - get pre-qualified for a vehicle loan from Dakotaland.

First Time Auto Buyer
It might be your first ride, but it is definitely not our first rodeo. We specialize in auto loans and can make your experience a great one.

For Sale By Owner
Shopping for a 'new to you' vehicle? Don't forget to check out our list of locally owned, for sale by owner line-up. Your best deal might be just a click away.

new vehicle?
Did you just purchase a new vehicle? Get your vehicle loan checklist below.
calculate your auto loan
Use this calculator to determine what your monthly payment will look like

Optional Protection Services
When defense is the best offense, Daktoaland has the resources to minimize losses when life throws you a curveball. Our warranty and insurance products provide you with the protection you need against potential problems and helps create a more stable outcome when faced with unexpected expenses.
meet Our Consumer Lending Team
let our local staff help you drive away in style










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Frequently Asked Questions
you have questions, we have answers
Getting pre-approved for a loan is a smart step before you start to shop. To be pre-approved means your credit union has reviewed your financial information and offered you a specific loan amount and terms. Knowing how much you can borrow and on what terms allows you to shop for a car with a clear budget in mind.
The credit union will need to check your credit history to assess the risk of lending you money. To avoid pulling your credit multiple times and affecting your credit, your credit union will run your credit report at the time you formally apply for a loan, which will only temporarily lower your score.
The effect on your credit score is usually minor and should disappear in a few months. If you want to apply for more than one loan, doing so within a short time is a good idea. Inquiries falling within a two-week window are generally considered as a single inquiry.
The interest rate on your loan is the total cost of borrowing money in your auto loan, expressed as a percentage of your original loan amount. Your APR, or Annual Percentage Rate, includes both the interest rate plus any extra fees or costs, like origination fees or loan processing fees that might be rolled into the loan. Your APR gives you a better idea of the total cost of the loan.
The 50/30/20 rule is a budgeting rule that suggests you spend 50% of your income on needs, 30% on your wants, and 20% on savings and debt repayment. For car loans, this means your car payment should fit comfortably within your 20% savings and debt repayment budget.
Depending upon your credit score your credit union may require a down payment. This shows a commitment on your part to owning your car and paying down your loan. A larger down payment will also lower your interest rate or shorten your loan term.
Yes, you can sell your car at any time, but you must still pay off the remaining loan balance. You can generally use your sale proceeds to pay off your loan or roll the balance into a new loan if you’re buying another car.
After you pay off your loan, the credit union will release the lien on your car. You’ll receive the title, and the car is fully yours without any further payments. You can choose to sell your car or to keep driving to get the most value out of your vehicle.

Recreational Vehicle Loans
When your destination is anywhere but here, we understand how important the journey can be. At Dakotaland, your favorite recreational vehicle is closer than you think.

Home Loans
Home is where your heart comes to rest, and nothing feels more like home than a stress-free experience. That is why it is our mission to take you on your best home buying adventure.

Life Event Loans
So many reasons to celebrate life and we want to make sure you don’t miss a thing. A wedding, a graduation, a new baby, or a trip of a lifetime, we can help.
Contact Us
Have more questions regarding auto/rec loans or our additional warranty options? Let us know!