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Rates

Rates current as of today, 10/11/2024. Print

New Auto Loan Refinancing
Includes current and one-year prior model year vehicles refinanced from another lender
Term Promotional 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%
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 6.29%
63 - 65 months As low as 6.59%
66 months As low as 6.59%
67 - 72 months As low as 6.79%

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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 5.59% APR for 29 months is a monthly payment of $1,477.78 and total interest of $2,855.60.  **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. 

New Auto Loans
Term APR*
Up to 29 months As low as 5.84%
30 - 41 months As low as 6.04%
42 - 53 months As low as 6.34%
54 - 65 months As low as 6.54%
66 - 72 months1 As low as 7.04%
73 - 84 months2 As low as 7.54%

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Pre-Owned Auto Loans (7 model years or newer)
Term APR*
Up to 62 months As low as 6.54%
63 - 66 months As low as 6.84%
67 - 72 months1 As low as 7.04%
73 - 84 months3 As low as 7.54%

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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 $40,000 at 6.54% APR for 60 months is a monthly payment of $783.40 and total interest of $7,003.74. Late payment fees and processing fees may apply. 

1 Retail value must be greater than $15,000. 2 Retail value and loan amount must be greater than $25,000. 3 Retail value must be greater than $25,000 and vehicle must be 3 model years old or newer.

Driving Sense™: New Vehicles (Purchase or Refinance)
Term APR*
Up to 29 months As low as 5.84%
30 - 41 months As low as 6.04%
42 - 53 months As low as 6.34%
54 - 65 months As low as 6.54%
66 - 72 months1 As low as 7.04%

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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 6.54%
63 - 66 months As low as 6.84%
67 - 72 months2 As low as 7.04%

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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 6.54% APR and term of 60 months with the $895 one-time program fee financed into the loan: Payments 1-59 are $444.89 with a 60th/final payment due for the residual value amount of $18,500 (Guaranteed Future Value) and total interest paid of $4,748.63

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.

Visa® Credit Cards
Product APR* 
Visa Platinum As low as 14.99%
Visa Platinum Premier As low as 16.25%
Visa Classic As low as 18.25%

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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. 

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%

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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.  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 loan-to-value percentage 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 7.50%

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*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 9/19/2024 the Prime Rate was 8.00% APR. Available on Illinois residences only. Late payment fees and processing fees may apply. **Minus any balances owed. Your loan-to-value percentage may vary based on credit qualifications. 

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

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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.  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 loan-to-value percentage may vary based on credit qualifications. 

Home Access Lines (up to 100% appraised value**)
Type APR*
Line of Credit (variable) As low as 10.00%

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*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 9/19/2024 the Prime Rate was 8.00% APR. Late payment fees and processing fees may apply. **Minus any balances owed. Your loan-to-value percentage may vary based on credit qualifications. 

Motorcycle, Snowmobile & Camper Loans
Term  APR*
New: Up to 60 months As low as 8.44%
Pre-Owned: Up to 60 months1 As low as 10.14%

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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 $40,000 at 8.44% APR for 60 months is a monthly payment of $819.51 and total interest of $9,170.30. Late payment fees and processing fees may apply. 

1 For vehicles over 5 model years' old, retail value must be greater than $10,000.

Boat & RV Loans
Term: New APR*
Up to 29 months As low as 6.04%
30 - 41 months As low as 6.54%
42 - 53 months As low as 6.84%
54 - 65 months As low as 7.04%
66 - 72 months1 As low as 7.74%
73 - 84 months2 As low as 8.74%
85 - 120 months3 As low as 9.04%
Term: Pre-Owned 7 model years & newer APR*
Up to 62 months  As low as 7.04%
63 - 66 months As low as 7.54%
67 - 72 months1 As low as 7.74%
73 - 84 months4 As low as 8.74%
85 - 120 months3 As low as 9.04%
Term: Pre-Owned 8 model years & older APR*
Up to 66 months5 As low as 8.54%

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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 $80,000 at 7.04% APR for 60 months is a monthly payment of $1,585.61 and total interest of $15,136.37. Late payment fees and processing fees may apply. 

1 Retail value must be greater than $15,000. 2 Retail value must be greater than $15,000 and loan amount must be greater than $10,000. 3 Retail value must be greater than $40,000.  4 Retail value must be greater than $25,000 and vehicle must be 3 model years old or newer. 5 Retail value must be greater than $10,000.

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

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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 $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.