A dependable car isn’t just a luxury – it’s a necessity, and with uncertainty surrounding tariffs, the time
to buy is now. Lucky for you, our auto loan rates have dropped, and LTV has increased, making it much easier to purchase the vehicle you want with a monthly payment you can afford.
What is LTV?
Loan-to-Value represents the percentage of a vehicle’s value you can borrow, and it’s just gone up to 125%.** That means low or no down payment and the ability to roll other upfront costs into your monthly payment.
Lower Rates
Pay less interest with tariff-busting rates as low as 4.99%!*
You Won’t Find this Loan at Any Dealership 
- Borrow up to 125% of a vehicle’s value**
- Easily apply online or by phone 24/7
- Quick approvals – get your financing and go
Don’t have top-notch credit? You may be surprised at what you qualify for. Use our easy, 3-step application to find out before sticker prices go up! Apply now.
*Vehicles older than 2018 will receive personal loan rates. The annual percentage rate is the advertised rate and can vary based on creditworthiness, age of vehicle, and terms of the loan. Contact Northern Credit Union for specific details. Rates are accurate as of 7/16/2025. Rates are subject to change. Credit union membership is required. **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%. $5 membership deposit required. Insured by the NCUA.