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 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

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 FOR A NEW AUTO  Apply for a Used Auto   Estimate Your Payments

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! 
• NVehicles 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 

¹ A "High Priced Vehicle Surcharge” may apply based on MSRP, and the surcharge amount varies depending on term

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 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

  Apply Now  Calculate Your Savings