Vehicle Financing Options

Whether you want a hot new car or opt for a vehicle that's been around the block a few times, First Northern Credit Union can put you in the driver's seat. We offer up to 100% financing, flexible terms – even payroll deduction to make paying your loan more convenient.

First Northern's Driving Sense™ 

A low payment vehicle loan that combines the best features of conventional financing along with the benefits of leasing. Like a lease, Driving Sense offers considerably lower payments. Yet unlike leasing, you own the vehicle and have all the flexibility and benefits that come with vehicle ownership. There are no acquisition fees, disposal fees or early termination fees. You always have the option to sell, trade, finance or return the vehicle at the program’s end.

Traditional Financing 

We have highly competitive rates for new and used cars, whether purchased from a dealership or private party. We finance up to 100% of the purchase price and offer terms up to 84 months for new cars.  We finance used vehicles, seven model years or newer.

Refinance your loan from another lender

Let us see if we can lower your rate! 

  • 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. (Applies to new FNCU auto loans only, not existing loans.)

Apply Now

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*




*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.