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Rates as of 4/13/2014 and subject to change without notice.

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All rates include a 0.50% discount for autopay.
Auto Loans
Purchases or Refinances
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: 2013-2014
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1.49% 1.49% 1.99% 2.49% 3.49%
Used: 2013
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1.99% 1.99% 2.49% 2.99% 3.99%
Used: 2010-2012
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2.24% 2.24% 2.74% 3.24% 4.24%
Used: 2008-2009
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2.49% 2.49% 2.99% 3.49% 4.49%
Used: 2007
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2.99% 2.99% 3.49% 3.99% 4.99%

*Annual Percentage Rates (APRs) and subject to change without notice. The lowest APRs shown are those available to borrowers with excellent credit and include a rate discount of 0.50% for automatic payment from an NIHFCU account or other lending institution. If automatic payment ceases before the loan is paid in full, the rate will increase by 0.50%. Maximum discount on base rate is 0.50%. Certain restrictions may apply.

1.49% APR for up to 36 months available on new cars. Payment example: Loan amount of $20,000 at a rate of 1.49% APR for 36 months would have a monthly payment of $569.00.

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.

Apply Now or call 855.852.4748

Other Information
  • A 90-day deferral of the first payment is an option available on all auto loans.
  • New vehicle rates available only on vehicles model year 2013 or newer with 2,000 or fewer odometer miles.
  • 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 are older than eight-model years will be priced at the signature loan rate.

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Call 301.718.4748 or 855.852.4748 toll-free
Email: ConsumerLoans@nihfcu.org