Is refinancing your auto loan the right move for you? Refinancing with First Northern Credit Union is fast and easy, and could mean a lower rate, a lower payment — or both!
Lower Your Payment By Lowering Your Rate
Conventional auto refinancing usually means lowering the rate you are paying at another institution — and that lower rate could mean you're saving money each month! What would you do with thousands of extra dollars over the life of your loan?
- Rates as low as 5.34% APR*
- Terms up to 72 months
- Refinance up to 100% of the vehicle's value
- No application fees
- Your monthly payment remains fixed over the life of your loan
- We refinance vehicles up to 7 model years old
- Optional GAP, Debt Protection, Extended Warranty and Mechanical Repair Coverage available
Apply Now CALCULATE YOUR SAVINGS
Auto Loan Refinancing Rates
Get a monthly payment of up to 40% less
Driving Sense™ is similar to a lease but better — it combines all the benefits of owning a vehicle with the advantages of leasing.
And, you can save up to 40% less each month when you choose Driving Sense!
- 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
Learn More APPLY NOW 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 5.59% |
30 - 41 months |
As low as 5.79% |
42 - 53 months |
As low as 6.09% |
54 - 65 months |
As low as 6.29% |
66 - 72 months |
As low as 6.79% |
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 6.29% |
63 - 66 months |
As low as 6.59% |
67 - 72 months |
As low as 6.79% |
Apply for a used autO Get a Custom Quote Learn More