As low as 1.79% APR* on New & Used Cars

Through December 15th, we're offering new car rates as low as 1.79% APR* on 2021-2022 model years and used car loan rates as low as 1.79% APR* on 2016-2021 model years. It’s a great time to take advantage of model year-end savings!

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As low as 2.79% APR** on 75-84 month terms

If you’re shopping for a 2018-2022 model year vehicle, we’re currently offering rates as low as 2.79% APR on 75-84 month terms. Enjoy great rates on our longer term loans, designed to help you stretch your budget and keep your monthly payments low. Drive away with a great deal this fall!

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Auto Loan Rates

Car Loans Term Minimum Loan Amount APR1,2 as low as
2021-2022 model years   up to 36 mos   $5,000 2.14%
    37-63 mos   $8,000  2.64%
    64-72 mos   $10,000  2.94%
    73-75 mos   $10,000 3.14%
    76-84 mos   $20,000 4.94%
    85-96 mos   $40,000  7.49%
2020 model year   up to 36 mos   $5,000  2.44%
    37-63 mos   $8,000  2.84%
    64-72 mos   $10,000  3.24%
    73-75 mos   $10,000  3.44%
    76-84 mos   $20,000  5.34%
2019 model year   up to 36 mos   $5,000  2.54%
    37-63 mos   $8,000 3.04%
    64-72 mos   $10,000  3.34%
    73-75 mos   $10,000  3.54%
    76-84 mos   $20,000  5.64%
2018 model year   up to 36 mos   $5,000  2.64%
    37-63 mos   $8,000 3.14%
    64-72 mos   $10,000  3.54%
2017 model year   up to 36 mos   $5,000 2.94%
    37-63 mos   $8,000  3.44%
    64-72 mos   $10,000  3.94%
2015-2016 model years   up to 36 mos   $5,000 3.14%
    37-54 mos   $8,000  3.64%
    55-66 mos   $10,000  4.14%
2012-2014 model years   up to 36 mos   $5,000  4.14%
    37-54 mos   $8,000  4.64%
    55-66 mos   $10,000  5.14% 

 

*Special new auto rates available on 2021-2022 model years and terms up to 72 months for auto loan contracts dated through December 15, 2021 only. Special used auto rates available on 2016 model years and terms up to 63 months and 2017-2021 model years and terms up to 72 months for auto loan contracts dated through December 15, 2021 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 80% (new cars) 90% (used cars). Internal refinances are excluded from special rates. Business auto loans excluded from special rates. Offer may not be combined with other discounts or promotions.

**Special rate available on 2018-2022 model years and terms of 75-84 months for auto loan contracts dated through December 15, 2021 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.

1 APR=Annual Percentage Rate. Rate is subject to change without notice. Rate is based on an evaluation of your credit history, so your rate may differ. 

2 Rate is based on model year and term. Additional model year terms and rates are available; Northwest Federal finances up to 10 model years. Rate is valid for purchases and refinances from another lender only; internal refinances are excluded from special rates. Vehicles with mileage over 100,000 add 2 percentage points to rates. Classic cars add 4 percentage points to rates. Terms and rates will vary on loans for business purposes. Payment example: car loan with model year of 2021-2022 and loan amount of $20,000 for 60 months at 2.64% APR will have an estimated monthly payment of $356.56. 

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. This offer is not valid on internal refinances.