At Northern Credit Union, we believe finding the right set of wheels should be exciting, not stressful – and we’re here to help you fetch the best deal around.
Right now, when you finance your new or used vehicle with Northern, you’ll receive $500† cash!
It’s our way of helping you start your journey with a full tank and some extra money back in your wallet. Plus, our reduced auto loan rates and higher Loan-to-Value (LTV) limits mean you can finance more than before – covering upfront costs and driving away in the car you truly want.
Already have an auto loan somewhere else? Refinance with Northern and get $150‡ cash back!
Bring your current loan over to Northern and enjoy competitive rates, flexible terms, and extra money back in your pocket. It’s an easy way to save more and make the switch to a better auto loan experience.
Ready to unleash your next ride?
-Receive $500 when you finance your next vehicle with Northern!
-Refinance your current auto loan from another lender and get $150 cash back.
-Rates as low as 4.99%*
-Borrow up to 125% of a vehicle’s retail value**
-Easily apply online 24/7 or by phone
-Quick approvals – get your financing and go!
You’ve worked hard to build good credit – now it’s your turn to enjoy the rewards. Use our easy, 3-step application to get you behind the wheel of your dream car!
Apply now! Call or text us today: 315.782.0155
You are pre-selected for an auto loan with Northern Credit Union based on information in your credit report. If you continue to meet our pre-established criteria (including creditworthiness, income, and collateral requirements), you will receive an auto loan on the terms described in this offer, subject to verification of your information and eligibility.
+Receive $500 cash back on approved new or used auto loans (minimum $20,000 financed; refinances ineligible). ‡ Receive $150 cash back on approved refinanced auto loans from another lender (minimum $20,000 refinanced). Funds deposited directly to member’s Northern account upon loan funding. *The annual percentage rate is the advertised rate and can vary based on creditworthiness, age of vehicle, and terms of the loan. Rates are accurate as of 2/01/2026 and are subject to change. Vehicles older than 6 years will receive personal loan rates. $5 credit union membership deposit is required. Contact Northern Credit Union for specific details. **Finance up to 125% of the MSRP for new or JD Power retail value for used vehicles. Loan to value percentage depends on creditworthiness and can range between 125% and 95%. ***Carrier rates and fees may apply. ****APR=Annual Percentage Rate. The annual percentage rate is the advertised rate and can vary based on creditworthiness, age of vehicle, and terms of the loan. Other financial institutions’ rates used for comparison are current as of 2/01/2026, based on information advertised online, and are subject to change at any time without notice. Federally insured by NCUA.