Payment Protection

Guaranteed Asset Protection (GAP) Coverage

When you finance your new or used vehicle at First Northern, you know you're getting a great rate from the credit uloan superhero businessmannion you know and trust. Why not get that same great feeling that GAP coverage gives you?

If your car was stolen or totaled in an accident, GAP has you covered. In fact, GAP covers the difference between the market value of your car, and your loan or lease balance less primary insurance coverage. With GAP, you won't worry that the insurance payout could be a lot less than you owe on your car. GAP covers the difference.*

* Exclusions may apply.

Credit Life & Disability

Who will make your loan payments if you can't?  That's a worry you won't have to face with Credit Life & Disability insurance.  If you die or become disabled due to a covered illness or accident, you loan payments may be reduced or paid off.  There are no additional bills to pay; your premium will be included in your monthly loan payment.  


We’ve been there for your most important moments – a loan for that first car, a mortgage for that bigger house. Now, we can also help you protect those achievements and aspirations with the MemberCONNECT® Program and TruStage insurance.



New Vehicle Loans

For Driving Sense Program rates, contact a Financial Service Advisor.

Up to 29 months 1.99% APR*
30 - 41 months 2.49% APR*
42 - 53 months 2.79% APR*
54 - 65 months 2.99% APR*
66 - 72 months 3.99% APR*


Used Vehicle Loans

(seven model years or newer)

For Driving Sense Program rates and used vehicles older than seven model years, contact a Financial Service Advisor.

Up to 62 months 2.99% APR*
63 - 66 months 3.49% APR*
67 - 72 months 3.99% APR*


Motorcycle Loans

New (as low as) 4.99% APR*
Used (as low as) 5.25% APR*

*APR = 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. No annual fee.