Rates
New & Used AutosYou're Driving. You'll drive a better deal with NHFCU by your side.
We finance new and used cars, trucks, and SUV's with some of the best rates around and no gimmicks. If you already have an auto loan through another lender, but our rate looks better, save money by refinancing with us.
Auto/Debt Consolidation combo rates as low as 0.80% APR*Rates effective October 1, 2021
It's all about "the eighties" starting October 2021! Need to buy a car, truck or even get a personal loan, but are afraid of extra cash outlays before the holidays? You can defer payments for up to 80 days* on auto loans. So, you can apply today - and wait to pay! PLUS, if you combine a debt consolidation loan of $10,000 or more with an auto purchase or refi, your auto rate may be as low as .80% APR*!
| Account Type | APR | Maximum Term | Loan Amount | Monthly Payment | Total Finance Charge | Total Payments | Comments | | | | 2019 to current model year-Up to 60 months | 0.80% | 60 months | $1,000.00 | $17.01 | $20.46 | $1,020.46 | Miles/condition will affect the term of the loan.
|  |  | | | All other model years | 1.80% | 60 months | $1,000.00 | $17.44 | $46.40 | $1,046.40 | Miles/condition will affect the term of the loan.
| | | *Payment deferrals for auto loans opened between October 1 - December 31, 2021. Annual Percentage Rate. All loans are subject to credit requirements. NHFCU may lend to members only. Special 80th Anniversary on ALL Auto Loans. Limit one per member. First payment may be deferred for up to 80 days on any/all model years and is dependent upon when the loan closes and repayment type. Interest will continue to accrue during the deferral period and will be collected with the first loan payment. All payments will be applied to finance charges, late charges, collection costs, any other charges and to the principal. Anniversary rates and deferred payment will not be available for >90K miles, 72-month financing, refinances of existing NHFCU auto loans, or first-time auto buyer program. If the consolidation/unsecured loan is discontinued/paid-in-full prior to 36 months, then the .80%/1.80% APR will increase to the current posted rates.
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Purchases or RefinancesRates effective September 1, 2021| Account Type | Term | APR | Loan Amount | Monthly Payment | Total Finance Charge | Total Payments | Comments | | | | 2019 to Current model year - Up to 60 Months | up to 60 months | 2.69%* | $1,000 | $17.83 | $69.88 | $1,069.88 | Miles/condition will affect the term of the loan.
| | | | | 2019 to current model year - Up to 72 Months | Up to 72 months | 3.69%* | $1,000 | $15.50 | $116.31 | $1,116.31 | Miles/condition will affect the term of the loan.
| | | | | 2014 -2018 model year | Up to 60 months | 2.89%* | $1,000 | $17.92 | $75.19 | $1,075.19 | Miles/condition will affect the term of the loan.
| | | | | Any Year, 90K + miles up to 60 months | up to 60 months | 8.69%* | $1,000 | $20.61 | $236.49 | $1,236.49 |
| | | | | Any Year, 90K + miles up to 48 months | Up to 48 months | 7.69%* | $1,000 | $24.27 | $164.85 | $1,164.85 |
| | | *Annual Percentage Rate (APR). All loans are subject to credit requirements. Rates and terms are subject to change without notice. Rates not available for vehicles already financed with NHFCU. Mileage, age, and condition of the vehicle may affect the terms and rate of any loan. NHFCU may lend to members only.
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