Vehicle Loan Rates

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.

** Summer Auto Loan Special: Annual Percentage Rate = APR and subject to change without notice. The lowest APR shown is available to auto 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%. Auto loan application must be submitted by 8/31/2025 and funded by 9/30/2025. 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 example: Loan amount of $20,000 at a rate of 4.99% APR for 36 months would have monthly payments of $599.33. NIHFCU does not finance private party purchased vehicles, salvage, gray market, lemon law buyback or other branded title vehicles. Maximum odometer miles is100,000. Optional GAP policy discount available by 9/30/2025.

* 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 4.99% APR for 36 months would have monthly payments of $599.33.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.