Auto Loan Refinance
Refinance and stay on the road for less!
We’re Here to Help You Save More
Want to get from Point A to Point B with more money in your pocket? Refinance with and you could free up cash for other needs.
What Could Refinancing with NIHFCU Do for You?
Speed Up Loan Pay-Off
A quicker pay-down means you achieve full ownership sooner.
Lower Your Payment
Pay less each month while you continue to enjoy your vehicle.
Defer Your First Payment
Opt to make no payments for up to 90 days.1
Payment Vacation
Take a breather from payments time every 12 months.2
Is it time to drive down your auto loan rate?
Refinance and reduce your rate up to 2%!
Through September 2026, refinance a qualified auto loan from another lender with us, and we may be able to lower your rate up to 2%!
Today’s Rates
We offer affordable loan rates for your next new or used vehicle or motorcycle.
|
Term |
36 months |
48 months |
60 months |
72 months |
84 months |
|---|---|---|---|---|---|
|
All rates, fees, and terms as of 04/23/2026 and subject to change without notice. Current year model or older vehicles of up to 8 years with 2,000-100,000 miles. * APR=Annual Percentage Rate. 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. Vehicles that have a model year older than 10 years will be priced at the Signature Loan rate. Payment example: Loan amount of $30,000 at a rate of 4.74% APR for 60 months would have monthly payments of $562.57. NIHFCU membership in good standing is required for loan disbursement. Rate includes 0.25% off for automatic-debit of loan payment from NIHFCU savings or checking account. |
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Term APR (as low as)* |
36 months 4.24% |
48 months 4.24% |
60 months 4.74% |
72 months 5.74% |
84 months 6.24% |
Thanks NIHFCU, I am a nurse now!
I was able to lower my car payment to help afford my master’s and become a nurse practitioner! I feel NIHFCU cares about me, allowing me to pursue my passions.
Devin D.
Estimate Your NIHFCU Loan Payment
Start Staying on the Road for Less
Disclosures
All information as of 04/23/2026 and subject to change without notice.
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1)
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.
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2)
Payment Vacation: 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.