Limited Time Only! We've Lowered Our Used Car Loan Rates

Until August 4th, we're offering car loan rates as low as 1.99% APR* on 2016-2019 model years. If you're in the market for a pre-owned vehicle, be sure to take advantage of this special offer.

Apply today! 

*Special auto rates available on 2016-2019 model years and terms up to 63 months for auto loan contracts dated April 13 - August 4, 2020 only. Rate is based on an evaluation of your credit history, so your rate may differ. Restrictions apply, including: credit qualifications and maximum loan-to-value ratio of 90%. Internal refinances are excluded from special rates. Business auto loans excluded from special rates. Offer may not be combined with other discounts or promotions.  

Build the Perfect Car Loan 

Whether you’re buying a car, motorcycle, boat or recreational vehicle, we offer low-rate loans with flexible terms to fit your budget. Plus, our convenient services can help you get behind the wheel with ease. 

We’ve Got the Keys to Your New Car 

With a new or pre-owned car loan from Northwest Federal you'll:

  • SAVE with competitive interest rates 
  • STRETCH out your payments with our flexible terms
  • LOWER your out-of-pocket expense with up to 100% financing (including title, registration, taxes, Major Mechanical Protection and GAP)
  • ENJOY no payments for 90 days1
  • GET REWARDED with 5,000 bonus points2 on your NOW REWARDS Mastercard®


1 No payment due for the first 90 days offer is valid for the purchase of a new or pre-owned consumer auto and refinances from another lender. Credit qualifications apply. Offer is subject to change at any time. Interest still accrues for the first 90 days.
2 Bonus points will be added to your NOW REWARDS account upon obtaining a qualifying Northwest Federal auto loan. Some restrictions apply. Not valid on refinance of an existing Northwest Federal loan. Offer valid as of 7/1/20 and subject to change. 
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

    Vehicle Loan Options & Resources

    Our new and pre-owned car loans offer:
    •    competitive interest rates and flexible terms
    •    up to 100% financing (including title, registration, taxes, Major Mechanical Protection and GAP)
    •    5,000 bonus reward points* on your NOW REWARDS Mastercard® 

     for your Pre-Approved Auto Loan (PAL) that can be used for purchase at a dealership or with convenient buying services, Carvana and TrueCar. 

    Buying a pre-owned car?

    Check its vehicle record first to protect yourself from potential problems down the road. Northwest Federal members can request a CARFAX® report directly from us for just $16.99 (retail value is $34.99). If you finance with Northwest Federal, this fee will be refunded following loan disbursement.

    *Minimum loan amounts required. Not valid on refinancing an existing Northwest Federal loan.

    Refinance Now. Pay Later. 

    If you have a car loan with another lender, chances are you're paying too much. Bring your car loan to Northwest Federal Credit Union to enjoy our low loan rates, flexible terms, and no payments for 90 days* (credit qualifications apply). 

    Refinancing for a lower rate is easy. Simply request a loan payoff amount from your current lender, then apply for your Northwest Federal car loan and include:

    • Vehicle make, model, year and mileage
    • Vehicle Identification Number (VIN)
    • Name and address of the lender

    *No payment due for the first 90 days offer is valid for the purchase of a new or used consumer auto and refinances from another lender. Credit qualifications apply. Offer is subject to change at any time. Interest still accrues for the first 90 days. This offer is not valid on internal refinances. 


    If riding a motorcycle is more your style, we can help you get onto the road with low rates and flexible terms. 

    • rates as low as 7.39% APR* for up to 48 months
    • rates as low as 8.29% APR* for up to 60 months
    *APR= Annual Percentage Rate. Rate is based on evaluation of credit history, so your rate may differ. Rates are current as of 7/1/20 and are subject to change without notice. 

    Whether it’s the open waters or the open road, we have financing available to help you live out your dreams with loans for Boats, RV and Miscellaneous Vehicles. 

      Type of Loan   Term   Minimum Loan Amount   APR as low as*
      Boat, RV & Miscellaneous Vehicles     up to 60 months     $10,000   8.25%
      Boat, RV & Miscellaneous Vehicles   61-120 months   $25,000   8.50%
      Boat, RV & Miscellaneous Vehicles   121-180 months   $50,000   8.75%
    *APR=Annual Percentage Rate. Rate is based on evaluation of credit history, so your rate may differ. Rate is current as of 7/1/20 and subject to change without notice. 

    Nationwide car buying services

    Option # 1: TrueCar – search online for a new or pre-owned car

    • Conveniently search vehicles online - see what others recently paid for the car you want
    • Get guaranteed pricing - enjoy average savings of $3,402 off MSRP* on new cars and discounts on quality pre-owned inventory
    • Visit the dealership to complete your purchase

    *Between 7/1/18 and 9/30/18, the average savings off MSRP presented by TrueCar Certified Dealers to users of TrueCar powered websites based on users who received in-stock price offers and who TrueCar identified as purchasing a new vehicle of the same make and model as one of the in-stock price offers from a Certified Dealer as of 10/31/18, was $3,402. 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 not all vehicles are sold at MSRP. Each dealer sets its own pricing.

    Option #2: Carvana – shop and purchase your car completely online 
    1.    Apply today for a pre-approved auto loan 
    2.    Shop Carvana to purchase your Carvana certified pre-owned car online 
    3.    Enjoy convenient delivery right to your driveway 

    We offer optional vehicle protection services for your peace of mind, including Guaranteed Auto Protection (GAP), Mechanical Breakdown Protection, and Debt Protection. Read more about the benefit of these services. If you have questions, contact us for more details.