First Northern Credit Union - Auto Loan Refinancing

Keep your car. Trade in your loan.

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.

Our Auto Refinancing Experts can help.

We want to help get you into a better auto loan, so you can start saving today!

What's Your Goal?

What would you do with hundreds of extra dollars?

A lower rate could mean saving hundreds of dollars during the life of your loan. 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 1.99% 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

Apply Now Estimate Your Payments

Auto Loan Refinancing Rates

Is your monthly payment putting a real strain on your budget?

A lower monthly payment could help you breathe easier each month when it’s time to pay your bills. The Auto Refinancing Experts at First Northern want to take your current loan with another lender off your hands and free up cash for your budget each month.

Promotional rates as low as 1.99% 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

Apply Now Estimate Your Payments

Auto Loan Refinancing Rates

Want a lower monthly payment and a shorter term? You need a Driving Sense™ loan.

A Driving Sense Auto 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!

Lower monthly payments than a conventional auto loan — and with a shorter term
No money down, and no hidden costs — even finance taxes 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!
Optional Debt Protection, 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 1.99%

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 other vehicle loans, 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 1.99% APR for 66 months is a monthly payment of $320.17 and total interest of $1,131.02. **For no payments for 90 days, interest accrues from the date of loan disbursal. Late payment fees and processing fees may apply.

Driving Sense: Lease Alternative Financing
Term	APR*
Up to 72 months	As low as 5.99%

ApplY FOR A NEW AUTO Apply for a used autO Get a Custom Quote Learn More

*APR=Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change at any time without notice. Your rate will be determined at the time of your application. Payment example: 5.99% APR for 60 months is $19.33/month per $1,000 borrowed. Late payment fees and processing fees may apply.

How It Works

Check Rates

Estimate Your Payments

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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