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Refinance to reduce your auto loan rate up to 2%!

From now through January 2026, refinance a qualified auto loan from another lender with us, and we may be able to lower your rate up to 2%! 1

And, should you achieve a better rate with us, you could also succeed in freeing up cash for other uses. Plus, enjoy these other benefits:

  • Finance up to 125% Loan-to-value 2

  • Opt to defer your 1st payment up to 90 days 3

  • Skip a payment every 12 months 4

Make a U-Turn on your auto loan today. A lower rate and monthly payment may be just moments away!

 

Speak to a Specialist
1-855-852-4748
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Rates, fees and terms as of October 25, 2025 and subject to change without notice

1 Annual Percentage Rate = APR and subject to change without notice. Refinanced auto loan must be booked by January 31, 2026 to qualify for this offer. The lowest available APR cannot fall below NIHFCU’s lowest prevailing rate at the time of the refinance, currently 4.24%. Should you elect automatic debit loan payments from an NIHFCU savings or checking account, a rate discount of 0.25% will be included in your approved rate, and the 2% maximum non-NIHFCU auto loan rate reduction. The lowest APR available of 4.24% applies to loan applicants with excellent credit. This offer is not valid on loans currently financed with NIHFCU. To qualify for this offer, the vehicle must be a 2020 model year or newer, have a minimum loan balance of $10,000.00, and have no late payments on the loan being refinanced for the past 9 months. Applicants who do not qualify for this offer can still apply for refinancing with standard underwriting. Final rates and terms for approved applications depend on type of collateral, credit, and payment history, payment method, and other factors that may be lawfully considered. Payment example: Loan amount of $20,000 at a rate of 4.24% APR for 36 months would have monthly payments of $592.62. NIHFCU membership in good standing is required for loan disbursement.
2.Loan-to-value (LTV) is based upon the MSRP for a similar vehicle that has not been titled. Auto loan LTV is based upon NADA retail value.
3.A deferral of up to 90 days for your first payment may be available on certain vehicle loans, as determined by the credit union. 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. If the credit union agrees to a deferral, additional restrictions may apply.
4 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.