Auto Loan Refinancing

You're not stuck with your auto loan payment. Refinance with us and save. It's easy!

Conventional Refinancing: Get a Better Rate
Driving Sense: Pay Up To 40% Less Per Month

Lower Your Payment By Lowering Your Rate

Lower the rate you are paying on your auto loan from another lender — and that lower rate means you'll save money!

Refinance up to 100% of the vehicle's value
Make no payments for 90 days**
No application fees or early payoff penalty
Optional GAP, Debt Protection, Extended Warranty and Mechanical Repair Coverage available

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.

Available on new or pre-owned vehicle purchases, or refinance your existing vehicle loan
A one-time program fee of $895 can be paid upfront or financed into the loan
Annual mileage options of 7,500, 10,000, 12,000, 15,000 & 18,000
No down payment, no early payoff penalty, no security deposit and no acquisition fees
GAP coverage is included at no additional cost ($599 value)
Optional Extended Warranty and Mechanical Repair Coverage available

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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 5.34%
30 - 41 months	As low as 5.54%
42 - 53 months	As low as 5.84%
54 - 65 months	As low as 6.04%
66 - 72 months¹	As low as 6.54%

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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 6.04%
63 - 66 months	As low as 6.34%
67 - 72 months²	As low as 6.54%

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*APR=Annual Percentage Rate. Repayment example for a vehicle priced at $40,000 with a loan amount of $21,500: At 6.04% APR and term of 60 months with the $895 one-time program fee financed into the loan: Payments 1-59 are $422.10 with a 60th/final payment due for the residual value amount of $18,500 (Guaranteed Future Value) and total interest paid of $3,403.83.

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.

1 Retail value must be greater than $15,000. 2 Retail value must be greater than $15,000 and vehicle must be 5 model years old or newer.

New Auto Loan Refinancing
Includes current and 1-year prior model year vehicles refinanced from another lender
Term	Promotional APR*
Up to 29 months	As low as 5.09%
30 - 41 months	As low as 5.29%
42 -53 months	As low as 5.59%
54 - 65 months	As low as 5.79%
66 - 72 months	As low as 6.29%

Pre-Owned Auto Loan Refinancing
Includes vehicles up to 7 model years' old refinanced from another lender
Term	Promotional APR*
Up to 62 months	As low as 5.79%
63 - 65 months	As low as 6.09%
66 months	As low as 6.09%
67 - 72 months	As low as 6.29%

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*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. Your rate will be determined at the time of your application and may be higher. Repayment Example: A loan of $40,000 at 5.09% APR for 29 months is a monthly payment of $1,468.80 and total interest of $2,595.26. **No payments for 90 days is available on conventional auto loan refinancing only, not Driving Sense. Interest accrues from the date of loan disbursal. Title correction fee and other processing fees may apply.