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Auto Loans
New & Used Vehicles
0-24 months
APR*** as low as
25-36 months
APR*** as low as
37-48 months
APR*** as low as
49-60 months
APR*** as low as
61-72 months
APR*** as low as
73-84 months**
APR*** as low As
Standard APR1
2.24%
2.74%
2.99%
3.24%
3.49%
3.74%
TotalCare Relationship APR2

1.99%

2.49%

2.74%

2.99%

3.24%

3.49%

Apply Now, call 855.852.4748 or visit a branch

** 73-84 month financing term is available to borrowers based on credit worthiness.
*** APR as of 6/18/18 for highly qualified applicants. Vehicles that have a model year older than seven years will be priced at the signature loan rate. Final rates and terms for approved applicants depend on credit, vehicle information, payment method and other factors which may be lawfully considered. All loan rates and terms subject to change without notice. Restrictions may apply.
1 Includes 0.25% off for automatic-debit of loan payment from any financial institution.
2 Includes an additional 0.25% for automatic-debit of loans payments from an NIHFCU TotalCare checking account.
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.
An approved applicant's base rate will depend on credit history, loan amount, vehicle information and payment schedule selected.
Model year less than 8 years old.

Other Information
  • A 90-day deferral of the first payment is an option available on all auto loans.
  • NIHFCU does not finance salvage, gray market, lemon law buyback or other branded title vehicles.
  • The minimum loan amount for up to 84 months is $15,000.
  • Loan amounts financed up to $150,000.
  • Vehicles that have a model year older than seven years will be priced at the signature loan rate.
  • Maximum odometer miles 100,000.
  • Final assigned rate will depend on factors indicated above and other factors NIHFCU may lawfully consider. Actual rates will be disclosed to approved applicants once final vehicle information is received. Rates may increase if the vehicle is outside the standard factors.

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Still have questions?
Call 301.718.4748 or 855.852.4748 toll-free
Email: ConsumerLoans@nihfcu.org