Check today's vehicle loan rates
Rates effective as of October 31, 2025. Interest rates may change. Please see your account disclosure for additional details.
Auto Loan Rates
| Auto Loans New & Used Vehicles |
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 APR* as low as |
|---|---|---|---|---|---|
| New Standard APR | 4.24% | 4.24% | 4.99% | 5.49% | 5.99% |
| Used Standard APR | 4.49% | 4.49% | 5.24% | 5.74% | 6.24% |
>>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%!
Visit nihfcu.org/minus2 to learn more.
Speak to a specialist
1-855-852-4748
Motorcycle Loan Rates
| 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 APR* as low As |
|
|---|---|---|---|---|---|
| New Motorcycle APR | 7.49% | 7.49% | 7.99% | n/a | n/a |
| Used Motorcycle: APR not older than 8 years |
7.99% | 7.99% | 8.49% | n/a | n/a |
Speak to a specialist
1-855-852-4748
Rates, fees and terms as of October 31, 2025 and subject to change without notice
Financial wellness begins and ends with the facts. Here’s what you need to know!
New Vehicles: Current year model or newer untitled vehicles, with up to 2,000 miles. Used Vehicles: 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.
* Annual Percentage Rate = APR and subject to change without notice. The lowest APR shown is available to motorcycle loan applicants with excellent credit and includes a rate discount of 0.25% for automatic-debit loan payments from an NIHFCU savings or checking account. If automatic payment ceases before the loan is paid in full, the interest rate will increase by 0.25%. 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 does not finance private party purchased vehicles, salvage, gray market, lemon law buyback or other branded title vehicles. Maximum odometer miles is 100,000. New Motorcycle is classified as the Title has not been recorded and 2,000 or less miles. New motorcycle or auto loan-to-value (LTV) is based upon the MSRP and is defined as a vehicle that has not been titled. Auto loan LTV is based upon NADA retail value.
