How would you like the low monthly payments of a lease, but on a new or pre-owned vehicle AND without all the heavy restrictions and hidden costs of leasing?
Sounds impossible? It’s not. First Northern’s Driving Sense™ loan offers just that!
Monthly payments up to 40% less than conventional financing
Like a lease, Driving Sense offers payments that are considerably lower than conventional financing. But unlike a lease, with Driving Sense you own the vehicle and have all of the flexibility and benefits of vehicle ownership! Other benefits of Driving Sense include:
- Available on new or pre-owned vehicle purchases, or refinance your existing vehicle loan to save money!
- Vehicles up to five years old qualify
- Flexible loan terms of up to 72 months
- A one-time program fee of $895 applies which can be paid upfront or financed into the loan1
- Annual mileage options of 7,500, 10,000, 12,000, 15,000 & 18,000 available
- No down payment, early payoff penalty, security deposit or acquisition fees
- Easily upgrade and/or change your vehicle every couple of years—or walk away at the end of your term!
- GAP coverage is included at no additional cost to you ($579 value)
- Optional Extended Warranty and Mechanical Repair Coverage available
See for yourself how low your monthly auto loan payment can be!
Apply FOR A NEW AUTO Apply for a Used Auto Learn More Calculate Your Monthly Payment
Driving Sense: Loan/Lease Hybrid Rates
Driving Sense: New Vehicles (Purchase or Refinance)
Term |
APR* |
Up to 29 months |
As low as 5.84% |
30 - 41 months |
As low as 6.04% |
42 - 53 months |
As low as 6.34% |
54 - 65 months |
As low as 6.54% |
66 - 72 months1 |
As low as 7.04% |
ApplY FOR A NEW AUTO Get a Custom Quote Learn More
Driving Sense: Used Vehicles (Purchase or Refinance)
(5 model years or newer)
Term |
APR* |
Up to 62 months |
As low as 6.54% |
63 - 66 months |
As low as 6.84% |
67 - 72 months2 |
As low as 7.04% |
Apply for a used autO Get a Custom Quote Learn More