Online Auto Buying Program


Mobile or online-only buying experience

Test drive and purchase a car without stepping into a dealership.  Simply order it online and Carvana will bring the vehicle to you!
First Northern Credit Union has partnered with Carvana to provide a new way to buy a vehicle. 
Simple, One-Stop Online Shopping:

  • Intuitive vehicle search with 10,000+ vehicles available
  • High-definition, 360° virtual tours of every vehicle
  • 7-Day test-own return policy up to 400 miles
  • Manufacturer’s warranty plus Carvana standard
    100-day, 4,189 mile “Worry Free Guarantee”
  • Trade or Sell
  • No dealer, documentation, or restocking fees. Competitive prices. No haggle.

Ready to get started? Click "Research & Shop" or "Apply Now." We're also here to help at at 888-328-8677, option 2.



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*




*APR is 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 2.79% APR for 29 months is a monthly payment of $713.97 and total interest of $705.06.