Finance Department

Financing Made Easy with Your MTH!

Want to get Lifted, Loaded, and Jacked Up? Minnesota Truck Headquarters doesn’t just have the trucks you want — we also make financing your next pickup purchase easier.

We know that financing is maybe the least exhilarating part of purchasing a pickup truck. And while we can’t promise that we can make the process fun (not that we won’t try, mind you), Your Minnesota Truck Headquarters in St. Cloud, Minnesota, can commit to making the experience quicker, simpler, and less stressful.

Our goal is to make sure that everyone in Minnesota can get what they need. When you work with our finance experts, you’ll have someone on your side who wants to put you behind the wheel of that Ford, Chevrolet, Ram, or Jeep you’ve got your eye on.

The Right Kind of Financing

It doesn’t matter if you have excellent credit, bad credit, or no credit — we will give you our fullest attention and make sure you get the best rate possible when you finance a vehicle at Minnesota Truck Headquarters. Our experts will work with you without judgment and with the sole aim of getting you approved and getting you back on the road.

We offer flexible financing and special financing options to help customers of all budgets and all situations. You deserve to drive a truck that works as hard for you as you do for your money, so we will do everything we can to make sure you have a manageable payment plan. By partnering with banks and credit unions both here in Minnesota and across the country, we can be sure that you’re getting a great rate that helps you on your ownership journey.

We Make It Easy

The process of financing itself may seem like an impending headache, but at MTH, it doesn’t have to be. We don’t just have a team of finance experts at the ready — we also offer convenient tools that you can use before you ever pick up the phone or set foot in our showroom.

If you want to try and figure out how to work that truck or SUV you’ve been eyeing into your budget, our easy loan payment calculator will give you an accurate idea of what you’ll pay each month. And if you want to use the value of your current vehicle against your next purchase, you can get an up-to-date market report before you bring it into the dealership for an evaluation.

You can also apply for financing online thanks to our easy-to-use credit application form. With these handy features, you can focus more of your energy on cruising our huge selection of trucks and SUVs and making sure you pick the one that you absolutely have to have.

DID YOU KNOW?

You can get a credit report absolutely free from the three major credit reporting agencies. Even better, Equifax, Experian, and TransUnion all let you access a free credit report — including credit score — once every 12 months. If you use them wisely, you can stay up to date on your credit standing all throughout the year.

Common Finance Terms

When you’re researching auto financing, you’ll see a lot of words get thrown around like candy on Halloween. If you’re a bit unsure, here are the meanings of some of the most commonly used terms.

• Annual Percentage Rate (APR): APR refers to the amount you’ll pay to borrow money when you finance a vehicle. This gets factored into your loan total and your monthly payments.
• Base Price: Base price, or MSRP for all-new vehicles, is how much you’ll pay for a vehicle before any add-ons, upgrades, or taxes and fees.
• Extended Warranty: A warranty outside of a vehicle’s original manufacturer’s warranty, extending coverage beyond the original mileage and term. Many vehicles offered at Your MTH include a certified pre-owned warranty.
• Loan Term: The term is the amount of time you’ll spend paying back an auto loan. This typically extends between two years and upwards of six or seven years depending on your preference.
• Trade-In Value: The amount left over after paying off the remaining balance on your current vehicle. If your vehicle is worth more than you owe, you have equity. If you owe more than the vehicle is worth, you’ll need to pay the difference.