Used Auto Loans & Refinancing

Shop patiently and you can get behind the wheel of a great used vehicle with a low rate loan that fits your budget and lifestyle perfectly.

At NIHFCU, we offer:

• Low rate financing for cars, trucks, SUVs and vans
• Financing up to 100% of value or the lesser of the purchase price or NADA retail value, + taxes/tags/title and extended service contract.
• Terms up to 72 months for loans up to $35,000
• Terms of up to 84 months for loans of $35,000 or more
• A .25% discount off the current percentage rate for automatic transfer payment or payroll deduction.
• A .50% discount off the current percentage rate on gas-efficient Go Green loans. (2006 model year or newer.)
• Optional but highly recommended GAP Insurance and Mechanical Breakdown Insurance, as well as a free insurance finder service.
• Special members-only auto buying programs to help you get a great deal on a used automobile.
• Apply online

Check out our “Minus 2” Auto Refinance

Paying too much on a non-NIHFCU auto loan? Our "MINUS 2" refinance may be able to reduce your rate a full 2% – in a matter of minutes¹. Whether you bought your car several years ago or just in the past few months, you could save hundreds – if not more – over the life of your loan.

Applying for a MINUS 2 Refinance is simple and fast! There is no lengthy approval process. If your loan payments are up to date, you could be on your way to big savings.

Here is what we’ll need from you!

• A valid form of identification
• Proof of employment
• Your vehicle’s title
• Your original loan contract
• A transferable loan of at least $3,000
• Current lender information

To apply, complete an application, or mention the “Minus 2 Auto Refinance” when you visit any NIHFCU branch or call 301-718-0208.

¹Lowest rate available is equal to the prevailing 60-month used auto rate (for 84 months, add 1%). Offer pertains to non-NIHFCU loans only. Member may also elect to apply through our regular underwriting process, where rate is based on applicant credit and may vary. All signatories of the original financing agreement must be signatories of the new one. NIHFCU reserves the right to deny the loan request. Other restrictions apply.