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New Auto Loan Refinancing: Promotional Rates
Includes current and one-year prior model year vehicles refinanced from another lender
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 months As low as 6.54%
Used Auto Loan Refinancing: Promotional Rates
Includes vehicles up to 7 model years' old refinanced from another lender
Term APR*
Up to 62 months As low as 6.04%
63 - 65 months As low as 6.34%
66 months As low as 6.34%
67 - 72 months As low as 6.54%

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. Your rate will be determined at the time of your application and may be higher. Repayment Example: A loan of $40,000 at 6.04% APR for 60 months is a monthly payment of $774.06 and total interest of $6,443.38.  **For no payments for 90 days, interest accrues from the date of loan disbursal. Title correction fee and other processing fees may apply. 

New Auto Loans
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%
73 - 84 months As low as 7.29%

Apply Now   Learn More

Used Auto Loans (7 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%
73 - 84 months As low as 7.29%

Apply Now   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. Repayment Example: A loan of $40,000 at 6.29% APR for 60 months is a monthly payment of $778.02 and total interest of $6,723.04. Late payment fees and processing fees may apply. 

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 

*APR=Annual Percentage Rate. Repayment example for a vehicle priced at $40,000 with a loan amount of $21,500: At 6.29% APR and term of 60 months with the $895 one-time program fee financed into the loan: Payments 1-59 are $435.98 with a 60th/final payment due for the residual value amount of $18,500 (Guaranteed Future Value) and total interest paid of $4,659.06.

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. 

Visa® Credit Cards
Product APR* 
Visa Platinum As low as 8.99%
Visa Platinum Premier As low as 10.25%
Visa Classic As low as 12.25%

Apply for Visa Platinum Apply for Visa Platinum Premier Apply for Visa Classic 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. 

Home Equity Loans (up to 85% appraised value**)
Term APR*
5-Year Fixed As low as 6.99%
10-Year Fixed As low as 7.24%
15-Year Fixed As low as 7.54%

Apply Now  Learn More

*APR=Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Available on Illinois residences only.  Repayment Example: A loan of $100,000 at 6.99% APR for 60 months is a monthly payment of $1,979.65 and total interest of $18,778.89. Late payment fees and processing fees may apply. **Minus any balances owed. Your amount may vary based on credit qualifications. 

Home Equity Lines of Credit (up to 85% appraised value**)
Type APR*
Line of Credit (variable) As low as 8.00%

Apply Now   Learn More

*APR=Annual Percentage Rate. Home Equity Lines of Credit have variable rates. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Rates are subject to change. The variable Line of Credit rate is set at the time of your loan (your initial rate) and adjusted each January and July 1st based on the Prime Rate as published in The Wall Street Journal, plus a margin as low as -.50% on Home Equity Lines of Credit (your margin may differ based on your qualifications). As of 7/27/2023 the Prime Rate was 8.50% APR. Available on Illinois residences only. Late payment fees and processing fees may apply. **Minus any balances owed. Your amount may vary based on credit qualifications. 

Home Access Loans (up to 100% appraised value**)
Term APR*
7-Year Fixed As low as 10.54%

Apply Now   Learn More

*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Offer valid on Illinois residences only.  Repayment Example: A loan of $100,000 at 10.54% APR for 84 months is a monthly payment of $1,688.15 and total interest of $41,804.86. Late payment fees and processing fees may apply. **Minus any balances owed. Your amount may vary based on credit qualifications. 

Home Access Lines (up to 100% appraised value**)
Type APR*
Line of Credit (variable) As low as 10.50%

Apply Now   Learn More

*APR = Annual Percentage Rate. Home Access Lines of Credit have variable rates. Loans and Lines of Credit are subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Rates are subject to change. The variable Line of Credit rate is set at the time of your loan (your initial rate) and adjusted each January and July 1st based on the Prime Rate as published in The Wall Street Journal, plus a margin as low as 2.00% for Home Access Lines of Credit (your margin may differ based on your qualifications). Your margin may vary based on your credit qualifications. As of 7/27/2023 the Prime Rate was 8.50% APR. Late payment fees and processing fees may apply. **Minus any balances owed. Your amount may vary based on credit qualifications. 

Motorcycle, Snowmobile & Camper Loans
Term  APR*
New: Up to 60 months As low as 8.19%
Used: Up to 60 months As low as 9.89%

Apply FOR NEW  Apply FOR USED 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. Repayment Example: A loan of $40,000 at 8.19% APR for 60 months is a monthly payment of $814.70 and total interest of $8,881.87. Late payment fees and processing fees may apply. 

Boat & RV Loans
Term: New APR*
Up to 29 months As low as 5.79%
30 - 41 months As low as 6.29%
42 - 53 months As low as 6.59%
54 - 65 months As low as 6.79%
66 - 72 months As low as 7.49%
73 - 84 months As low as 8.49%
85 - 120 months As low as 8.79%
Term: Used 7 model years & newer APR*
Up to 62 months  As low as 6.79%
63 - 66 months As low as 7.29%
67 - 72 months As low as 7.49%
73 - 84 months As low as 8.49%
85 - 120 months As low as 8.79%
Term: Used 8 model years & older APR*
Up to 66 months As low as 8.29%

Apply For New  Apply For Used 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. Repayment Example: A loan of $80,000 at 6.79% APR for 60 months is a monthly payment of $1,576.18 and total interest of $14,570.90. Late payment fees and processing fees may apply. 

Signature Loans
Term APR*
Up to 60 months As low as 11.49%

Apply Now   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. Repayment Example: A loan of $20,000 at 11.49% APR for 60 months is a monthly payment of $439.75 and total interest of $6,385.10. Late payment fees and processing fees may apply. 

Share - Secured Loans
Term APR*
Up to 29 months 3.49%
30 - 41 months 3.99%
42 - 53 months 4.19%
54 - 60 months 4.49%

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*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. Repayment Example: A loan of $10,000 at 3.49% APR for 29 months is a monthly payment of $360.07 and total interest of $442.16. Late payment fees and processing fees may apply.