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Auto loan rates as low as 1.99% 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% loan to value.3
  • Enjoy START - our Sign Today and Ride Today program
  • Special financing for International Fellows

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 Guaranteed Asset Protection for theft or total loss protection

Check Rates
Great rates as low as 1.99% APR*
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Auto Buying Support

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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 It's fast, safe and secure.

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or call 855.852.4748 (toll-free)

  Auto Loan Calculators

Advice Center

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

Helpful Links

•   Motorcycle Loans
•   Skip-A-Pay
•   Auto Insurance
•   Guaranteed Asset Protection
•   Electric Vehicle Charging @ NIH Energy provided by NIHFCU
•   Mechanical Repair Coverage 
•   Debt Protection 




* 1.99% APR as of 6/18/18 for loans for highly qualified applicants who meet requirements of 0.25% off for automatic-debit of loans from NIHFCU TotalCare checking account. 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 1.99% APR for 24 months would have a monthly payment of $877.00.

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.

Best ever


I have an auto-refinance with NIHFCU recently. You probably know NIHFCU gives very low late compare to the others, However, it is noteworthy that how kind the employees are. They are very kind and nice, and it was very impressive for me that they are trying to communicate with me. I know the communication with non-native people is not easy. If I have another chance, I will use NIHFCU again, also will recommend to my friend!! Thank you NIHFCU!!


Bethesda, MD

Dealer said it was the best rate he had seen


Overall the process was easy. The dealer said that it was the best rate he had seen. They wanted to negotiate when I told them we had our own financing, but when they saw the rate we had from the NIH credit union they said, "Oh, we just cant compete with that. Good for you." I was a little confused by some of the steps in the process, but overall it worked out.


Washington, DC

Excellent Service


The process of getting a new car loan with the NIHFCU is straight forward. Customer service is top notch. The only thing that needs to be addressed is the online application- it gives an error when trying to submit. Then we submitted a second application, but it gave the same error. When we called the bank about this issue, we found out both applications went through.



The NIHFCU gave me a smooth ride to purchasing a new car


When I joined the NIH last year, it was a dream come true but a longer commute. I have never been much of a shopper or a car person but I did need better wheels. The credit union at NIH came to the rescue. I had two meetings with Mr. Celito in Rockledge II during my lunch break and was able to understand the terms, open an account and apply for a loan. Within a few days I learned I had qualified. Then all I had to do was pick out my new car and send the check from the credit union to the sales agent. Voila- drove out in a brand new car. I could never have imagined the process would be so smooth and actually quite pleasant. Thanks to the NIHFCU.


Washington DC

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 quickly as possible. I am really glad I decided to consider NIH for my car loan.


Bethesda, MD


Wow, what service


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.

Ms. B



I would recommend this to everyone


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




This product was good I would recommend


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




Simple and low cost


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.

Systems Doc

Bethesda, MD


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.


Bethesda, MD


Auto Loan

4.6 51


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