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Fall in love with your auto loan!

Apply now and SAVE over the life of your loan

Refinance for as low as 4.29% APR*
And make no payments for 90 days!**

Apply Now Check Rates
Wondering if refinancing your auto or motorcycle loan is for you? A new loan with First Northern Credit Union could mean a lower rate, a lower payment, or a shorter term — all of which could be the difference between meeting your financial goals or not.

Leading The Way To Your Financial Goals


Lower Your Rate & Save Money

A lower rate could mean saving hundreds of dollars during the life of your loan — or more. As your local Auto Refinance Experts, we are here to help you get those savings. Trust us to refinance your higher-rate auto loan from another institution and we’ll handle the details, so you’ll get the lowest rate possible.

  • Reduce the overall amount of interest you’ll pay
  • Promotional rates as low as 4.29% APR*
  • Terms up to 84 months (66 months for promotional rate)
  • Refinance up to 100% of the vehicle's value
  • No application fees
  • We refinance vehicles up to 7 model years old
  • Optional GAP, Debt Protection, Extended Warranty and Mechanical Repair Coverage available

Apply Now  Estimate Your Payments

Auto Loan Refinancing Rates


A monthly payment of up to 40% less and a shorter term.

A Driving Sense™ loan is similar to a lease but better — it combines the benefits of owning a vehicle with the advantages of leasing. Our Auto Refinancing Experts can work up a customized quote and show you just how much you could save with a Driving Sense loan!

  • Monthly payments up to 40% less than a conventional auto loan — and with a shorter term
  • No money down, and no hidden costs — even finance taxes, program fee, 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 ($579 value)
  • Optional Extended Warranty and Mechanical Repair Coverage available

 Learn More & APPLY Get a Custom Quote

Driving Sense: Loan/Lease Hybrid Rates
Auto Loan Refinancing Special Offer
Term APR*
Up to 66 months As low as 4.29%

Apply Now  Learn More

*APR=Annual Percentage Rate. Limited time offer valid for refinancing an auto loan from another lender only. Existing First Northern vehicle loans do not qualify for this offer nor do Driving Sense loans, LendPro loans, First-time Car Buyer Program, Credit Rebuilder vehicle loan, Miscellaneous Collateral, and RateGenius loans. Not valid with any other offers or discounts. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions and are subject to change at any time without notice. Rate quoted is the lowest rate for highly qualified applicants refinancing with terms up to 66 months. Your rate will be determined at the time of your application and may be higher. Repayment Example: A loan of $20,000 at 4.29% APR for 66 months is a monthly payment of $340.72 and total interest of $2,487.77.  **For no payments for 90 days, interest accrues from the date of loan disbursal. Title correction fee and other processing fees may apply. 

New Driving Sense Loans (Purchase or Refinance)
Term APR*
Up to 29 months As low as 4.09%
30 - 41 months As low as 4.29%
42 - 53 months As low as 4.59%
54 - 65 months As low as 4.79%
66 - 72 months As low as 5.29%

ApplY FOR A NEW AUTO Get a Custom Quote Learn More 

Used Driving Sense Loans (Purchase or Refinance)
(5 model years or newer)
Term APR*
Up to 62 months As low as 4.79%
63 - 66 months As low as 5.09%
67 - 72 months As low as 5.29%

Apply for a used autO Get a Custom Quote Learn More 

*APR=Annual Percentage Rate. Repayment example: Driving Sense loan amount of $40,000, 4.79% APR, term of 60 months, and a $825 one-time program fee financed into the loan to secure a Guaranteed Future Value of $18,500: Payments 1-59 are $419.16 with a 60th/final payment due for the residual value amount of $18,500 (Guaranteed Future Value) and total interest paid of $3,649.35. You have four options to satisfy the final payment, as noted above. If you elect to return the vehicle you will have the following obligations: 1. All original equipment that came with the vehicle when you purchased it must still be with the vehicle. 2. If you exceed your mileage allowance, the excess mileage fee is $.10 per mile, and 3. The condition of the vehicle when returned must comply with the Loan Addendum provided to you at the time of loan disbursement. If you return the vehicle in accordance with the Loan Addendum, you will be charged a low $195 disposition fee and the residual amount is considered to have been fully satisfied and the loan is closed. 


Want an even lower rate?

With direct deposit of any amount into an Advantage Checking account, get an additional 0.25% APR* discount off our non-promotional auto loan rates while earning 1.00% APY* on your balance!

Learn More

Not a member? Not a problem!

Joining is fast, free and easy!

And you and your family will earn benefits that last a lifetime.

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Questions? Contact Us.

What's the right choice for you? 

Our Auto Refinancing Experts will answer your questions help determine what option is best for your situation.

Contact Us