Discover a wide array of vehicle loan options

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. Financing is available up to the JD Power valuation plus tags, title, taxes and extended warranties not to exceed 125% LTV.

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.

*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 fund by 2/18/2025.

1 Annual Percentage Rates (APR) as of 12/4/2024 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 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. 125% LTV on auto loans only offered on loan terms up to 60 months. For terms longer than 60 months, the max LTV is 100%.

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.

⁵ Credit restrictions apply; all loans are subject to credit approval and terms may vary. 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.

⁶ Programs vary by state. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of terms and conditions of the NIHFCU Loan Guardian Debt Protection program. You may cancel the protection at any time. If you cancel within 30 days, you will receive a full refund of any fee paid. Purchasing Loan Guardian protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain the loan.

⁷ 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

⁸ Average savings based on a countrywide survey of new customers who reported saving when they switched to Liberty Mutual between 10/2021 and 09/2022. Savings may vary. Comparison does not apply in MA.

⁹ TruStage® Auto and Home Insurance Program is made available through TruStage Insurance Agency, LLC and issued by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverages and limitations. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

** 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.