First Northern Credit Union - Auto Loan Refinancing

Keep your car. Trade in your payment!

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 2.49% 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 2.49% 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 2.49%

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 2.49% APR for 66 months is a monthly payment of $324.57 and total interest of $1,421.46. **For no payments for 90 days, interest accrues from the date of loan disbursal. Late payment fees and processing fees may apply.

New Driving Sense Loans Loans
Term	APR*
Up to 29 months	As low as 2.79%
30 - 41 months	As low as 2.99%
42 - 53 months	As low as 3.29%
54 - 65 months	As low as 3.49%
66 - 72 months	As low as 4.29%

ApplY FOR A NEW AUTO Get a Custom Quote Learn More

Used Driving Sense Loans (5 model years or newer)
Term	APR*
Up to 62 months	As low as 3.49%
63 - 66 months	As low as 3.79%
67 - 72 months	As low as 4.29%

Apply for a used autO Get a Custom Quote Learn More

*APR=Annual Percentage Rate. Payment example: Driving Sense loan amount of $40,000, 3.49% APR, term of 60 months, Program Fee paid upfront, and a Guaranteed Future Value of $18,500: Payments 1-59 are $391.03 with a 60th/final payment due for the residual value amount of $18,500 (Guaranteed Future Value). You have four options to satisfy this payment, as noted above. If you elect to return the vehicle the following obligations exist: 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 be in accordance with the Loan Addendum provided to you at the time of loan disbursement. When you return the vehicle in accordance with the Loan Addendum, the residual amount is considered to have been fully satisfied and the loan is closed. A low $195 disposition fee applies if you decide to return the vehicle at loan maturity in lieu of making the final balloon payment.

How It Works

Check Rates

Estimate Your Payments

Apply Now

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.

Join Now

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.