Winter new and refinanced auto loan specials

¹ Annual Percentage Rates (APRs) as of 4/1/2021 and subject to change without notice. The advertised APR available to applicants with excellent credit for a 36 month loan and includes a rate discount of 0.25% for automatic-debit loan payments from NIHFCU TotalCare checking account, and a 0.25% rate discount for financing a vehicle purchased through NIHFCU’s online buying service powered by TrueCar® by January 31, 2021. (Application must be submitted and funded between 12/01/2021 -01/31/2022.) 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. The NIHFCU does not provide loans for private party purchased vehicles. Payment example: Loan amount of $15,000 at 1.74% APR for 36 months would have monthly payments of $428.00. The NIHFCU does not provide loans for private party purchased vehicles. The NIHFCU is not affiliated with TrueCar.

² Between 1/1/20 and 12/31/20, the average savings off MSRP experienced by consumers who connected with a TrueCar Certified Dealer through a TrueCar-powered auto buying program and who were identified as buying a new vehicle from that Certified Dealer was $3,552. Your actual savings may vary based on multiple factors, including the vehicle you select, region, dealer, and applicable vehicle-specific manufacturer incentives, which are subject to change. The MSRP is determined by the manufacturer and may not reflect the price at which vehicles are generally sold in the dealer’s trade area, as many vehicles are sold below MSRP. Each dealer sets its own pricing.

³ Annual Percentage Rates (APRs) as of 4/1/2021 and subject to change without notice. The advertised APR available to applicants with excellent credit for a 36 month loan and includes a rate discount of 0.25% for automatic-debit loan payments from NIHFCU TotalCare 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. The NIHFCU does not provide loans for private party purchased vehicles. Payment example: Loan amount of $15,000 at 1.99% APR for 36 months would have monthly payments of $430.00. The NIHFCU does not provide loans for private party purchased vehicles.

⁴ A 90-day deferral of the first payment is an option available on all vehicle loans. 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. The 90-day deferral program is subject to change at any time; restrictions apply

⁵ Offer available on applications made between 11/01/2021-01/31/2022 and funded by 02/15/2022. The $50 reward will be in the form of a deposit into the primary account holder’s NIHFCU share account. Limit is one $50 reward per vehicle refinance.  The $50 reward is not available on refinancing of a current NIHFCU auto loan. Allow up to 60 days from loan funding for deposit to be made. Your loan must be active and have a payment posted for the deposit to be made.  Other restrictions may apply.

Both of the promotions advertised on this page are subject to change or cancellation at any time,.