Vehicle Loan Rates

*Annual Percentage Rates (APRs) as of 4/18/18 and subject to change without notice. The lowest APRs shown are those available to borrowers with excellent credit and include a rate discount of 0.25% for automatic payment from an NIHFCU account or other lending institution. If automatic payment ceases before the loan is paid in full, the rate will increase by 0.25%. Maximum discount on base rate is 0.25%. Certain restrictions may apply. 5.74% APR for up to 36 months available on new motorcycles. Payment example: Loan amount of $20,000 at a rate of 5.74% APR for 36 months would have a monthly payment of $606.09.

** 73-84 month financing term is available to borrowers based on credit worthiness.

*** APR as of 11/01/18 for highly qualified applicants. Vehicles that have a model year older than seven years will be priced at the signature loan rate. Final rates and terms for approved applicants depend on credit, vehicle information, payment method and other factors which may be lawfully considered. All loan rates and terms subject to change without notice. Restrictions may apply.

¹ Includes 0.25% off for automatic-debit of loan payment from any financial institution.

² Includes an additional 0.25% for automatic-debit of loans payments from an NIHFCU TotalCare checking account. Payment example: Loan amount of $20,000 at a rate of 1.99% APR for 24 months would have a monthly payment of $877.00. An approved applicant’s base rate will depend on credit history, loan amount, vehicle information and payment schedule selected. Model year less than 8 years old.

³ Auto loan application must be submitted and funded by 9/6/2019. Final rates and terms for approved applicants depend on credit and payment history, payment method and other factors which may be lawfully considered. All loan rates and terms subject to change without notice. Restrictions may apply. Not available on current NIHFCU Auto loans. Please visit nihfcu.org/auto for more details on NIHFCU’s Car Buying service.

Other Information for Vehicles

A 90-day deferral of the first payment is an option available on all auto loans.

NIHFCU does not finance salvage, gray market, lemon law buyback or other branded title vehicles.

The minimum loan amount for up to 84 months is $15,000.

Loan amounts financed up to $150,000.

Vehicles that have a model year older than seven years will be priced at the signature loan rate.

Maximum odometer miles 100,000.

Final assigned rate will depend on factors indicated above and other factors NIHFCU may lawfully consider. Actual rates will be disclosed to approved applicants once final vehicle information is received. Rates may increase if the vehicle is outside the standard factors.

Other Information for Motorcycles

A 90-day deferral of the first payment is an option available on all Motorcycle loans.

New Motorcycle is classified as the Title has not been recorded and 2,000 or less miles.

NIHFCU does not finance vehicles with more than 100,000 odometer miles, or salvage, gray market, lemon law buyback or other branded title vehicles.

Final assigned rate will depend on factors indicated above and other factors NIHFCU may lawfully consider. Actual rates will be disclosed to approved applicants in writing prior to funding.

The minimum loan amount for up to 84 months is $15,000.

An approved applicant’s base rate will depend on credit history, loan amount, vehicle age and payment schedule selected.

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