First Northern's Driving Sense™ – the smart choice in vehicle financing!

How would you like a low payment vehicle loan program that combines the best features of conventional financing along with the benefits of leasing! Sound too good to be true? Well, First Northern has the vehicle financing answer for you – Driving Sense.™


Driving Sense gives you the best of both worlds. Like a lease, Driving Sense offers payments considerably lower than conventional financing. Yet, unlike leasing, with Driving Sense, you own the vehicle and have all the flexibility and benefits that come with vehicle ownership!

Most new and used models up to five years old qualify for Driving Sense financing. Other benefits of Driving Sense include:

  • No security deposit
  • No upfront first or last payment
  • Option to sell, trade, finance or return vehicle at program's end
  • No early payoff penalty
  • Up to 120% financing with NO MONEY DOWN
  • Mileage options of 12,000, 15,000 and 18,000* per year available (Mileage options apply only if you return vehicle at program end.)


How low will your payment be? Visit the Driving Sense CarBuilder Calculator where you can build your car and compare a conventionally financed vehicle payment with the low Driving Sense payment.

For full details, please contact a financial service advisor.

Apply Now


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.