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!
- Finance up to 100% of purchase price
- Competitive low rates
- Flexible terms up to 84 months
- Finance pre-owned vehicles seven model years or newer3
- No application fees
- Buying from a dealership? Contact us to get pre-approved for a great rate!
- And, receive a 0.25% APR* discount off of our published, non-promotional Auto Loan rate with a Money Market 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
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New and Used Auto Loan Rates
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 — with First Northern’s Driving Sense™!
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 include:
- Available on new or pre-owned vehicle purchases, or refinance your existing loan
- Vehicles up to five years old qualify
- Flexible loan terms of up to 72 months
- Mileage options from 7,500 to 18,000/year
- No down payment, no early payoff penalty, no security deposit and no 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 ($599 value)
- A one-time program fee of $895 applies which can be paid upfront or financed into the loan1
- Optional Extended Warranty and Mechanical Repair Coverage available
See how low your auto loan payment can be!
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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% |
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Driving Sense: Pre-Owned 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% |
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