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Auto loan rates as low as 1.49% APR*

  • Great low rates for new, used refinanced autos loans
  • Fast online application – get approved in minutes
  • Save time with e-signature – easy, secure and legally binding
  • Financing up to 125% for well qualified borrowers3
  • NEW Enjoy the convenience of START - our Sign Today and Ride Today program

Customize Your Loan Options

  • Terms up to 84 months to lessen monthly payment
  • Drive away with no payments due for 90 days1
  • Skip a payment every 12 months for cash flow flexibility2
  • Choose bi-monthly payments to reduce interest faster
  • Discounted GAP Protection for theft or total loss protection

Check Rates
Great rates as low as 1.49% APR*
                                   
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Auto Buying Support

Why spend more time and money to purchase a vehicle than you should? Visit our partners for a fast, no-hassle car buying experience and exclusive, low prices reserved for credit union members.

Apply Now  or call 855.852.4748

    

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Advice Center


•   Is 0% financing a good deal?
•   How much car can you afford?
•   Getting the best price

Helpful Links

•   Skip-A-Pay
•   Auto Insurance
•   Guaranteed Asset Protection
•   Fellows Advantage Program
•   Electric Vehicle Charging @ NIH Energy provided by NIHFCU

 

 

 


Contact a Loan Specialist
855.852.4748
Manage Your Auto Loan

*1.49% APR as of 7/1/16 for highly qualified applicants who meet requirements for 0.50% off for auto-payment. Other great rates available. Final rates and terms for approved applicants depend on credit and payment history, payment method and other factors which may be lawfully considered. All loan rates and terms subject to change without notice. Restrictions may apply.
Payment example: Loan amount of $20,000 at a rate of 1.49% APR for 48 months would have a monthly payment of $427.32.

1 A 90-day deferral of the first payment is an option available on all auto loans. Deferring a payment will delay the payoff of your loan, and result in additional finance charges if you only make minimum payments. You need to make up the deferred payments. The 90-day deferral program is subject to change at any time; restrictions apply.

2 Skipping a payment will delay the payoff of your loan, and result in additional finance charges if you only make minimum payments. You need to make up the payment skipped. Auto loan skip-a-pay program is subject to change at any time; restrictions apply. Complete the Payment Vacation form to enroll.

3 New Auto loan-to-value (LTV) is based upon the MSRP and is defined as an auto that has not been titled. Used Auto LTV is based upon NADA retail value.

REVIEW SNAPSHOT®

by PowerReviews
NIHFCUAuto Loan
 
4.6

(based on 47 reviews)

Ratings Distribution

  • 5 Stars

     

    (34)

  • 4 Stars

     

    (10)

  • 3 Stars

     

    (2)

  • 2 Stars

     

    (1)

  • 1 Stars

     

    (0)

96%

of respondents would recommend this to a friend.

Pros

No Pros

Cons

No Cons

Best Uses

No Best Uses
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    • Member Service:
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    • Credit Union Member Since:
    • 2012 (11), 2013 (7), 2010 (3), 2011 (3)

Most Liked Positive Review

 

Very Efficient!

I could not be more pleased with the service I received from NIHFCU. They were helpful, knowledgeable, and kept in close communication with me to ensure my loan was taken care of as...Read complete review

I could not be more pleased with the service I received from NIHFCU. They were helpful, knowledgeable, and kept in close communication with me to ensure my loan was taken care of as quickly as possible. I am really glad I decided to consider NIH for my car loan.

VS

Most Liked Negative Review

 

Good rate but painful process.

Great loan rate and easy to pay if yo have a credit union account. But, getting the loan was much much more difficult than expected. First, the online application never worked. We...Read complete review

Great loan rate and easy to pay if yo have a credit union account. But, getting the loan was much much more difficult than expected. First, the online application never worked. We applied multiple times. Even worse there was no error message that said it didn't work. Help desk support couldn't help. So, went to a branch. Although my wife and I are both on the account since her name was first she had to apply. Since she doesn't work near a branch this became a bigger problem.

We eventually got the loan but it took 3 weeks because of the various bureaucratic problems. I had expected this from a big impersonal bank. But, not from my smaller personal Credit Union. I guess my expectations were too high.

Not sure I would use NIHFCU for a loan like this again.

Reviewed by 47 customers

Displaying reviews 1-10

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(2 of 2 customers found this review helpful)

 
5.0

Very Efficient!

By Sam

from Bethesda, MD

Verified Buyer

Comments about NIHFCU Auto Loan:

I could not be more pleased with the service I received from NIHFCU. They were helpful, knowledgeable, and kept in close communication with me to ensure my loan was taken care of as quickly as possible. I am really glad I decided to consider NIH for my car loan.

  • Credit Union Member Since:
  • 2013
  • Occupation:
  • Research
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(1 of 1 customers found this review helpful)

 
5.0

Wow, what service

By Ms. B

from Bethesda

Verified Buyer

Comments about NIHFCU Auto Loan:

I applied for a loan with the credit union and was able to receive it in a matter of weeks. The service was excellent. The staff was very helpful at the Rockledge location. Very friendly and personable.

  • Credit Union Member Since:
  • 2013
  • Occupation:
  • Support Assistant

(1 of 1 customers found this review helpful)

 
5.0

I would recommend this to everyone

By RJ

from Germantown,MD

Verified Buyer

Comments about NIHFCU Auto Loan:

The loan refinancing process was extremely fast and super easy. The people at NIHFCU are very helpful and supportive.

  • Credit Union Member Since:
  • 2012
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(1 of 1 customers found this review helpful)

 
5.0

This product was good I would recommend

By Sammy

from Bethesda

Verified Buyer

Comments about NIHFCU Auto Loan:

The service was quick and the rate was fair.I had no problem through the process.

  • Credit Union Member Since:
  • 2008

(1 of 1 customers found this review helpful)

 
5.0

Simple and low cost

By Systems Doc

from Bethesda, MD

Verified Buyer

Comments about NIHFCU Auto Loan:

Getting a car loan couldn't have been easier. A few pieces of paper, some minimal and easily obtainable documentation (pay slips basically) and some funds to start the account and it was all done. The check was issued just when I needed it and the rate, using automatic withdrawal, was so good the dealer didn't even try to push his own financing. Definitely the way to go.

  • Credit Union Member Since:
  • 2014
  • Occupation:
  • Investigator

(1 of 1 customers found this review helpful)

 
4.0

auto loan

By Robert

from Bethesda, MD

Verified Buyer

Comments about NIHFCU Auto Loan:

The loan process wasn't too bad for an auto loan. As good as most I've had in the past. The rate was much better than I expected it to be especially for a used auto loan. Overall I would highly recommend using the NIH credit union for an auto loan.

  • Credit Union Member Since:
  • 2014
  • Occupation:
  • Molecular Biologist
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(1 of 1 customers found this review helpful)

 
5.0

Auto Loan Process

By klester

from Annapolis, MD.

Verified Buyer

Comments about NIHFCU Auto Loan:

I was in the market to buy a new car and visited my local branch. The bank teller had me complete the loan application with her and she filed it immediately. I heard back that my loan had been approved by the middle of the afternoon on the same day. I received excellent customer service and assistance in this process.

  • Occupation:
  • RN
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(1 of 1 customers found this review helpful)

 
5.0

Fast Auto Loan with the lowest interest

By Vladimir

from Betehsda MD

Verified Buyer

Comments about NIHFCU Auto Loan:

My auto loan with NIHFCU was approved after online applicatoon in less than an hour. Next morning I signed the papers and got the car.
Interest rate was the lowest I could find on the market and I also got -0.5% when selected automatic payment through my checking account.
Awesome service NIHFCU!

  • Credit Union Member Since:
  • 2005
  • Occupation:
  • scientist
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(1 of 1 customers found this review helpful)

 
5.0

Excellent service!!

By Miss Eileen

from Bethesda, MD

Verified Buyer

Comments about NIHFCU Auto Loan:

While at the Credit Union, the representative mentioned that they were offering a low rate on auto loans. I ended up refinancing my auto loan with NIHFCU, and the rate was much better than what I had with the auto company. The service was excellent and the representative went above and beyond with the service that I received. I'm so pleased to be a member of the Credit Union!!!!

  • Credit Union Member Since:
  • 2013
  • Occupation:
  • Program Support Asst
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(1 of 1 customers found this review helpful)

 
5.0

My Credit Union/ My Ally

By LazS

from Northern Virginia

Verified Buyer

Comments about NIHFCU Auto Loan:

I never thought I would write a review that I loved my Bank. Dealing with NIHFCU for the last couple of years has been amazing. I have done some business loans with them and more recently some car loans. THe service, experienc and expediency is in staark contrast with the big banks. Dealing with the big Banks has become so tedious,arduous and drawn out that I refuse to deal witht htem any more. Banking has been ruined. Except NIHFCU works like banks used to 40 years ago when there were personal relationships and not mounds of paperwork and layers of underwriters to get a loan. You call up and get real service, real fast from a real person, the same person. Certainly, no oversaes call centers!!! I give NIHFCU a 10 out of 10 on the ease of doing business and their incredibly great rates. The big banks can't come close to their rates or terms. I wouldn't consider going anywhere else.

  • Credit Union Member Since:
  • 2012
  • Occupation:
  • Dentist/Oral Phys
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