Used Auto Loans
Great Financing on Pre-Loved Vehicles
Get More Smiles Per Gallon with NIHFCU
With NIHFCU, buying, financing, and protecting a used vehicle purchase is easy. Let us help you hit the road, and stay on the road, for less.
Great Low Rates
Shop Online
Protect & Insure
Defer 1st Payment
Payment Vacation
Used Vehicle Loans – Features & Benefits
- Low Rates – help to free up cash for other needs.
- Flexible Terms – loans up to 84 mos. & 125% loan-to-value available.1
- Defer your 1st payment – up to 90 days.2
- Payment Vacation – Pause a payment once every 12 months. 3
- Online Car Buying – Gain control and save time and money!
- Low member rates on Insurance and Protection programs
- Special Financing for NIH Visiting fellows
“Best Member Service”
The high-quality of service when I applied for my auto loan was amazing. I am so grateful to be part of a well-organized banking system that really cares.
G. Jones
Shop Online To Save Time and Money
Search online and get upfront pricing on local used car inventory.
- Shop at home to avoid dealer pressure. Search, build, and compare desired vehicles
- Find a great price on the car you want. Discounted prices on actual inventory from local certified dealers
- Visit the dealer with your deal in hand. Bring your online certificate, test drive, and close (with us, we hope!)
- Trade in or sell your vehicle. Find its worth and receive offers with TrueCar Trade.
Today’s Rates
|
Term |
36 months |
48 months |
60 months |
72 months |
84 months |
|---|---|---|---|---|---|
|
All rates, fees, and terms as of 01/20/2026 and subject to change without notice. |
|||||
|
Term APR (as low as)* |
36 months 4.49% |
48 months 4.49% |
60 months 5.24% |
72 months 5.74% |
84 months 6.24% |
Estimate Your Monthly NIHFCU Loan Payment *
Get Pre-Approved With START
Before you purchase, our Sign Today and Ride Today program lets you shop with confidence as a cash buyer and close quickly at the dealership.4
1. Apply for your NIHFCU Loan
and request your START Express Draft
2. Bring your START draft to the dealer
Shop for a vehicle like a cash buyer
3. Fill out the START draft
and let the dealer take care of the rest.
4. Close on your NIHFCU loan
and drive away with your new vehicle and a big smile!
Speak to your loan officer to learn more about our START pre-approval
Start Getting More Smiles Per Gallon!
Disclosures
All information as of 01/20/2026 and subject to change without notice.
NIHFCU does not finance private party purchased vehicles, salvage, gray market, lemon law buyback or other branded title vehicles. Should a borrower want to finance a vehicle that is older than ten model years, a Signature Loan application needs to be submitted. The loan will be priced at the current Signature loan rate.
-
1)
Current year model or older vehicles of up to 8 years with 2,000-100,000 miles Financing is available up to the JD Power valuation plus tags, title, taxes and extended warranties not to exceed 125% LTV. Vehicle must be purchased through a manufacturer, franchised or nationwide chain dealership. NIHFCU reserves the right to approved or disapprove the dealership at any time.
-
2)
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.
-
3)
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.
-
4)
Your “Pre-Approved Express Draft” is void after 30 days and can only be used at a Franchised Dealership for the purchase of new or used automobiles or trucks only (RV’s, motorcycles, boats and unsecured/personal loans are excluded). The “Pre-Approved Express Draft” is not valid for sales between private parties, lease buyouts, auctions or to purchase reconditioned or salvaged vehicles.