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Vehicle loans

Estimate your payment with our vehicle loan calculator.

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Get pre-approved with START!5

Our Sign Today And Ride Today program is better than a traditional pre-approval. Not only do you get the assurance of being a cash buyer, you can also close your loan at the dealership. Here’s how:

  • Apply for NIHFCU financing and request your START Express Draft

  • Bring your START Draft to the dealer and shop like a cash buyer

  • Close on NIHFCU financing at the dealer. Fill out the START Draft and let the dealer take care of the rest.

  • Drive off the lot with your new vehicle
APPLY NOW
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Online Car Buying Services

Shop for your next auto with our complimentary, no obligation Car Buying Service, with special member pricing at convenient dealerships, nationwide.

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Auto Loans for International Fellows

Are you an NIH visiting fellow? Check out our popular Fellows Advantage Program to support your unique borrowing needs. Learn more

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Motorcycle Loans

We finances new and used motorcycles as well!

Use our vehicle loan calculator to estimate your payment.

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All online auto refinance

I refinanced my vehicle with NIHFCU and they gave me a great rate! Very easy process. I completely did everything online without having to go to the branch. I was even able to sign all my documents electronically. Process only took about 5 days!

Cindy

Bethseda, MD

Let the NIHFCU protect you and your vehicle

Auto Insurance with Exclusive Rates

NIHFCU members are eligible for discounted car insurance rates from leading carriers, through our partner, Trustage.®9

  • You could save an average of over $5008

  • Combine with a home policy to possibly save more

  • Get an instant online and no pressure quote

For more great benefits and details visit our Insurance page or contact us.

Get a free quote

NIHFCU Loan Guardian

Protect your family against the unexpected and erase your loan debt in case of

  • Death

  • Disability

  • Involuntary Unemployment

Depending on the situation, Loan Guardian may be able to cancel your remaining payments up to the contract maximum.6 For full details, visit our Protection Programs page.

Contact us today

Guaranteed Asset Protection (GAP)

If your vehicle is totaled or stolen, your insurance may not cover enough to pay off your loan. GAP7 can help pay the difference. GAP coverage includes:

  • Exclusive low rates, just $3958 for motor vehicles and $4198 for motorcycles.

  • Deductible assistance for collision claims

  • Pay upfront or roll into your monthly loan payments

For full details, visit our Protection Programs page or contact us.

Contact us today
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Easiest loan application ever!

The loan application was a simple and fast process. The staff was very friendly whenever I called to ask questions about the loan and how to start paying it back. Overall, it's been a great experience.

Kim

College Park, MD

Financial wellness begins and ends with the facts. Here’s what you need to know!
1Annual Percentage Rates (APRs) as of 9/18/2023  and subject to change without notice. The lowest APR shown is available to 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 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. Restrictions may apply. Payment example: Loan amount of $20,000 at a rate of 5.24%  APR for 36 months would have monthly payments of $601.58. 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 As of September 1, 2018; subject to change without notice at any time
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.