Auto Refinance

Thank you for your interest in refinancing your vehicle. Rest assured, this is not a complicated process, there are no fees to process your loan, and our goal as a local not-for-profit credit union is to save you money! Just give us a bit of information about you and your vehicle, and we’re off to figure out how we can either reduce your payment, reduce your rate, or both!*

Remember, you have up to $500 waiting for you!**  Have a look at the “fine print” and, if your situation meets our guidelines, we’ll do our best to earn your business.

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Applicants Information
Primary Applicant:
Joint Applicant:
By submitting this information, you are requesting First Northern Credit Union to review information regarding an existing loan you have elsewhere. We'll evaluate whether we may be able to reduce your monthly payment, lower your current interest rate, offer you a cash rebate to refinance your loan, or some combination of the above. You understand that we may review your credit report and you authorize us to do so. Should a determination be made that we may be able to assist you, you will receive a conditional offer explaining what savings/benefits First NorthernCredit Union may offer you. If you act upon our conditional offer, you understand that an application must be completed and then approved by our underwriting staff. Upon approval and completion of any necessary paperwork, the conditional offer will be granted. There is NO COST or obligation to use this service.

*This is a secure online service application. First Northern protects your information with full 128 bit encryption.

*Open to both new and current memberships during this promotion. To be eligible, you must open or have a First Northern Savings Account with a minimum deposit of $5.00 and obtain financing through First Northern Credit Union by October 31, 2017.  Your vehicle must be model year 2011 or newer with fewer than 75,000 miles.  Promotion not valid with any other offer. Offer is not transferrable. You must meet credit union lending guidelines. Rate quoted is the lowest rate for highly qualified applicants refinancing with terms between 54 - 65 months. Other rates apply for other terms and credit qualifications. Your rate will be determined at the time of your application.  Federally Insured by NCUA.

Repayment Example: 2.24% APR for 65 months is $16.36 per $1,000 borrowed. 

**The Cash Back refinance reward will be deposited into your First Northern Savings Account within 30 days of your loan closing. Cash Back payouts are as follows: Vehicle loan amounts between $15,000 and $19,999 will receive $150 cash back. Vehicle loan amounts between $20,000 and $29,999 will receive $250 cash back. Vehicle loan amounts $30,000+ will receive $500 cash back.