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Auto Loans
0-36 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 1
*APR as low As
New & Used Vehicles
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Above rates include 0.50% off for auto-payment of your loan

Spring Special:

Take an additional 0.25% off * your rate for financing a vehicle purchased with NIHFCU's Car Buying Service.          


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Apply Now, call 855.852.4748 or visit a branch

*Auto loan application must be submitted between 4/01/16 and 6/30/16 and funded by 9/30/16. 1.24% APR as of 4/1/16 for highly qualified applicants who meet requirements for 0.75% maximum discount (0.50% off for auto-payment plus 0.25% off for purchasing financed vehicle with NIHFCU’s Car Buying Service). 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. Between 7/1/15 and 9/30/15, the average estimated savings off MSRP presented by TrueCar Certified Dealers to users of TrueCar powered websites, based on users who configured virtual vehicles and who TrueCar identified as purchasing a new vehicle of the same make and model listed on the certificate from a Certified Dealer as of 10/31/2015, was $3,279. Your actual savings may vary based on multiple factors including the vehicle you select, region, dealer, and applicable vehicle specific manufacturer incentives which are subject to change. The Manufacturer’s Suggested Retail Price (“MSRP”) is determined by the manufacturer, and may not reflect the price at which vehicles are generally sold in the dealer’s trade area as not all vehicles are sold at MSRP. Each dealer sets its own pricing. Neither TrueCar nor Carperks brokers, sells or leases motor vehicles.

Payment example: Loan amount of $20,000 at a rate of 1.24% APR for 48 months would have a monthly payment of $427.32.

An approved applicant's base rate will depend on credit history, loan amount, vehicle age and payment schedule selected.

1 73-84 month financing term is available to borrowers based on credit worthiness.

Model year less than 8 years old.


Rates as of and subject to change without notice.

Other Information
  • A 90-day deferral of the first payment is an option available on all auto loans.
  • NIHFCU does not finance vehicles with more than 100,000 odometer miles, or salvage, gray market, lemon law buyback or other branded title vehicles.
  • Final assigned rate will depend on factors indicated above and other factors NIHFCU may lawfully consider. Actual rates will be disclosed to approved applicants in writing prior to funding.
  • The minimum loan amount for up to 84 months is $15,000.
  • NIHFCU to NIHFCU auto loan refinance will be assessed a $250.00 refinance fee if the new loan terms have a lower APR.
  • Vehicles that have a model year older than seven years will be priced at the signature loan rate.

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