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Auto Loan Refinancing Special Offer
Term APR*
Up to 66 months As low as 1.99%

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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 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. 

New Vehicle 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%
73 - 84 months As low as 4.79%
Used Vehicle Loans (7 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%
73 - 84 months As low as 4.79%

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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. Payment example: 3.49% APR for 60 months is $18.19/month per $1,000 borrowed. Late payment fees and processing fees may apply. 

Driving Sense: Loan/Lease Hybrid
Term APR*
Up to 72 months As low as 5.99%

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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. Payment example: 5.49% APR for 60 months is $19.10/month per $1,000 borrowed. Late payment fees and processing fees may apply. 

Home Equity Loans
Term APR*
5-Year Fixed As low as 4.54%
10-Year Fixed As low as 5.34%
15-Year Fixed As low as 5.84%

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*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.  Fixed rate repayment Example: 4.54% APR for 60 months is $18.66/month per $1,000 borrowed. Late payment fees and processing fees may apply. 

Home Equity Lines of Credit (HELOC)
Type APR*
Line of Credit (variable) As low as 4.00%

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*APR=Annual Percentage Rate. Home Equity and Access 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), and as low as 2.00% for Home Access Lines of Credit (your margin may differ based on your qualifications). As of 7/1/2021 the Prime Rate was 3.25% APR. The current Home Equity and Home Access Line of Credit rates listed above are floor rates and are higher than the index plus margin. Available on Illinois residences only. Late payment fees and processing fees may apply. 

Home Access Loans
Term APR*
7-Year Fixed As low as 8.79%

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*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.  Fixed rate repayment example: 8.79% APR for 84 months is $15.98/month per $1,000 borrowed. Late payment fees and processing fees may apply. 

Home Access Lines
Type APR*
Line of Credit (variable) As low as 7.00%

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*APR = Annual Percentage Rate. Home Equity and 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 -.50% on Home Equity Lines of Credit (your margin may differ based on your qualifications, and 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 7/1/2021 the Prime Rate was 3.25% APR. The current Home Equity and Home Access line of credit rates listed above are floor rates and are higher than the index plus margin. Late payment fees and processing fees may apply. 

Motorcycle, Snowmobile & Camper Loans
Type & Term  APR*
New (up to 60 months) As low as 5.39%
Used (up to 60 months) As low as 7.09%

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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. Payment Example: A loan of $20,000 at 5.39% APR for 60 months is a monthly payment of $381.01 and total interest of $2,860.52. Late payment fees and processing fees may apply. 

New Boat & RV Loans
Term  APR*
Up to 29 months As low as 2.99%
30 - 41 months As low as 3.49%
42 - 53 months As low as 3.79%
54 - 65 months As low as 3.99%
66 - 72 months As low as 4.99%
73 -84 months As low as 5.99%
Used Boat & RV Loans (7 model years and newer)
Term  APR*
Up to 62 months As low as 3.99%
63 - 66 months As low as 4.49%
67 - 72 months As low as 4.99%
73 - 84 months As low as 5.99%
Used Boat & RV Loans (8 model years and older)
Term  APR*
Up to 66 months As low as 5.49%

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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. Payment example: 3.99% APR for 60 months is $18.41/month per $1,000 borrowed. Late payment fees and processing fees may apply. 

Signature Loans
Term APR*
Up to 60 months As low as 9.99%

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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. Payment Example: 9.99% APR for 36 months is $32.26/month per $1,000 borrowed. Late payment fees and processing fees may apply. 

Share - Secured Loans
Term APR*
Up to 29 months 2.99%
30 - 41 months 3.49%
42 - 53 months 3.99%
54 - 60 months 4.29%

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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. Payment Example: 2.99% APR for 36 months is $29.08/month per $1,000 borrowed. Late payment fees and processing fees may apply.