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Shop Online and Finance for Less!

Finance your new or used Online Car Buying Service purchase with us and enjoy the following: *

  • 0.25% off our already great low rates (starting as low as 5.24% APR 1) loans up to $49,999, or

  • 0.50% off our already great low rates (starting as low as 4.99% APR 1) loans of at least $50,000!

  • Plus, a 25% discount off optional GAP coverage (see below for more details)!,

To be eligible for these special offers:

  • Submit your auto loan application between  November 1, 2024 – January 18, 2025

  • If approved, close your loan by February 18, 2025

And, of course, all the other great benefits of financing with us still apply including the option to defer your first payment up to 90 days 3 and our skip-a-pay program 4

Speak to a specialist
1-855-852-4748
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Don't go GAP-less! Protect your loan for less!

Get a 25% discount off our already low optional GAP plan 2 when finance your new or used Online Car Buying Service purchase with us. 

To be eligible for this special offer:

  • Submit your auto loan application between  November 1, 2024 – January 18, 2025

  • If approved, close your loan by February 18, 2025

Why may GAP be important to you?

  • If you have a total loss accident, or your vehicle is stolen, GAP 2 may help pay the difference between what insurance will cover and the amount you still owe on your loan.

Our program, with rates typically less than those found at dealers or other lenders, is an incredible value.

  • Just $337.50 2 after the 25% promotional discount is applied.

  • Pay upfront or roll cost into your loan payment…equating to just cents per day.

  • Deductible assistance available for comprehensive and collision claims.

Don’t pay more than you have to for GAP coverage. Check out this video and ask us about coverage today at 1-855-852-4748!

Rates, fees and terms as of January 13, 2025 and subject to change without notice

*Car Buying Service purchase required with the NIHFCU to be eligible for this offer. Auto loan application must be submitted between 11/1/2024 – 1/18/2025 and funded by 2/18/2025.
1 Annual Percentage Rates (APR) as of 11/1/2024 and subject to change without notice. The lowest APR shown is available to new car applicants with excellent credit and includes a rate discount of 0.25% for automatic-debit loan payments from an NIHFCU savings or checking account, and the 0.25% discount for financing your NIHFCU online car buying service purchase with NIHFCU during the promotion period (for loans up to $49,999.99 – 0.50% discount for loans of at least $50,000). If automatic payment ceases before the loan is paid in full, the interest rate will increase by 0.25%. Auto loan application must be submitted between 11/1/2024 – 1/18/2025 and funded by 2/18/2025. 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. Restrictions may apply and offer subject to change without notice. Payment examples: Loan amount of $20,000 at a rate of 5.24% APR for 36 months would have monthly payments of $601.58 and a loan amount of $50,000 at a rate of 4.99% APR for 36 months would have monthly payments of $1,498. The NIHFCU does not provide loans for private party purchased vehicles.
2 Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of GAP. If you choose GAP, adding the product fee to your loan amount will increase the cost of GAP. GAP-1062538.1-1114-1216.
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.
All rates, terms and promotions advertised on this page are subject to change or cancellation at any time.