It's easy to refinance to a low rate FNCU Auto Loan!

202101 FN AU Auto Refi landingpage


Refinance your auto loan from another lender with us and SAVE with rates as low as 2.79% APR*


Make no payments for 90 days**


We'll give you up to $250 cash!***


Refinance with First Northern and get: 

  • Rates as low as 2.79% APR*

  • Refinancing of up to 100% of the purchase price 

  • Terms up to 84 months

  • Refinancing for new vehicles, or used vehicles seven model years old or newer

  • No application fees

  • No title correction fees


Want an even lower rate? 

First Northern members with direct deposit into a Preferred or Advantage Checking account will receive a “Loyalty Discount” rate of .25% lower than our published auto loan rate****. It’s just another benefit of membership.



*APR= Annual Percentage Rate is the advertised rate at the time of information pulled and can vary based on creditworthiness and terms at time of actual loan application. All accounts are subject to approval. Existing First Northern vehicle loans do not qualify for this offer. Your vehicle must be model year 2013 or newer with fewer than 75,000 miles to qualify for our "used" vehicle Annual Percentage Rate. In cases where the credit union refinances a competitor’s vehicle loan, those vehicles with a model year equal to the current or prior calendar year may be considered “new” vehicles for purposes of rate and term. Promotion not valid with any other offer and is non-transferable. You must meet credit union lending guidelines. Rate quoted is the lowest rate for highly qualified applicants refinancing with terms up to 29 months. Other rates apply for other terms and credit qualifications. Your rate will be determined at the time of your application. 

**Interest accrues from the date of loan disbursal. 

***The refinance reward will be deposited into your First Northern Savings Account within 30 days of your loan closing. Rewards are as follows: loan amounts between $10,000 and $24,999 will receive $100. Vehicle loan amounts of $25,000 and above will receive $250.

**** This applies to new loans to FNCU only, not existing loans. 

Payment Example: A loan of $20,000 at 2.99% APR for 60 months is a monthly payment of $359.28 and total interest of $1557.10. 

This is a limited time offer and subject to change or end at the credit union's discretion. 

Refinance and Save

New Vehicle Loans

For Driving Sense Program rates, contact a Financial Service Advisor.
Up to 29 months 2.79% APR*
30 - 41 months 2.99% APR*
42 - 53 months 3.29% APR*
54 - 65 months 3.49% APR*
66 - 72 months 4.29% APR*
73 - 84 months 4.79% APR*
Estimate Your Payments   ➤


Used Vehicle Loans

(seven model years or newer)

For Driving Sense Program rates and used vehicles older than seven model years, contact a Financial Services Advisor.
Up to 62 months 3.49% APR*
63 - 66 months 3.79% APR*
67 - 72 months 4.29% APR*
73 - 84 months 4.79% APR*
Estimate Your Payments   ➤


Motorcycle Loans

New (as low as) 5.39% APR*
Used (as low as) 7.09% APR*