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Auto Loans

You can trust First Northern Credit Union for an auto loan that’s just right for you. No gimmicks. No hassle. Just great rates and spectacular service, so you’ll drive away happy! In addition to new and used conventional auto loans, we offer a unique loan hybrid product and can even refinance your auto loan from another lender so you’ll pay less!

Whether you want a hot, new car or a pre-owned vehicle that’s new-to-you, we can put you in the driver's seat, no matter if you’re buying from a dealership or a private party, or even a lease buyout. 

  • Up to 100% financing
  • Competitive low rates 
  • Flexible terms up to 84 months 
  • Finance used vehicles seven model years or newer
  • No application fees 
  • And, receive a 0.25% APR* discount off of our published, non-promotional Auto Loan rate with a Money Matkey Yield account, direct deposit of any amount into an Advantage Checking account, or direct deposit of $500+/month into a Preferred Checking account. 
  • Optional Debt Protection, GAP, Extended Warranty, and Mechanical Repair Coverage available

Paying too much? Refinance your auto loan from another lender with us and we may be able to lower your rate!

Ready to head out to the dealership? We'll get you preapproved, so you know exactly how much you can spend, and can drive the car off the lot same day!

Or, save time! Use our comprehensive local auto buying service, and test drive without leaving your couch—even get the best price without pressure or hassle! 

Apply Now   Estimate Your Payments Find your next auto

New and Used Auto Loan Rates

Want the flexibility of a traditional loan with the advantages of leasing?

With First Northern's Driving Sense™ loan, you’ll get the low payments of a lease with all the flexibility of vehicle ownership.

Whether you’re looking for a new or used car, First Northern’s Driving Sense loan has you covered. We can even take over your existing loan!

With no down payment or early termination fees, Driving Sense fits any lifestyle or budget. A Driving Sense Auto Loan is similar to a lease – but better.

  • Lower monthly payments than a conventional auto loan — and with a shorter term
  • No money down, and no hidden costs — even finance taxes and registration fees
  • Available on new and used vehicles up to 5 model years old
  • Flexible terms from 24 to 72 months
  • GAP coverage is included at no additional cost to you!
  • Optional Debt Protection, Extended Warranty, and Mechanical Repair Coverage available

Learn More   Get a Custom Quote Contact Us

Is your monthly car payment weighing on your budget? 
Wish you could get a better rate now that your credit has improved? 
Looking for a different term? 

We can help! By refinancing your auto or motorcycle loan through First Northern, you could get a better rate, lower monthly payments, or both. If your current auto loan needs a refresh, we can lead the way to one that better suits your financial goals. 

  • Refinance up to 100% of the value of your vehicle
  • Flexible terms up to 84 months
  • Refinance your new vehicle or a used vehicle up to seven model years old
  • Avoid application fees — we’ve got them covered!
  • And, receive a 0.25% APR* discount off of our published, non-promotional Auto Loan rate with a Money Matkey Yield account, direct deposit of any amount into an Advantage Checking account, or direct deposit of $500+/month into a Preferred Checking account. 
  • Optional Debt Protection, GAP, Extended Warranty, and Mechanical Repair Coverage available

   Learn More   Check Rates  Estimate Your Payments

New Vehicle Loans
Term APR*
Up to 29 months As low as 2.79%
30 - 41 months As low as 2.99%
42 - 53 months As low as 3.29%
54 - 65 months As low as 3.49%
66 - 72 months As low as 4.29%
73 - 84 months As low as 4.79%
Used Vehicle Loans (7 model years or newer)
Term APR*
Up to 62 months As low as 3.49%
63 - 66 months As low as 3.79%
67 - 72 months As low as 4.29%
73 - 84 months As low as 4.79%

Apply Now   Learn More

*APR=Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change at any time without notice. Your rate will be determined at the time of your application. Payment example: 3.49% APR for 60 months is $18.19/month per $1,000 borrowed. Late payment fees and processing fees may apply.