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 of your new or used car with ease.

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We’ve Got the Keys to Your New Car

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

  • SAVE with a special rate discount up to 0.50% with direct deposit1
  • STRETCH out your payments with our flexible terms
  • GET REWARDED with 5,000 bonus points2 on your NOW REWARDS Visa®
  • LOWER your out-of-pocket expense with up to 100% financing (including title, registration, taxes, Major Mechanical Protection and GAP)
  • BENEFIT from convenient online car buying services, Carvana and TrueCar
  • ENJOY no payments for 90 days3
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Used Car for 36 months as low as
4.99% APR*
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2020-2023 Model Years for 37-63 months APR as low as
5.39%**
Is it time for a new car?
New Car

Car Loan Options & Resources

Have you placed a “freeze” on your credit report? 

If you’re ready to apply for a loan, make sure you’re prepared for your credit review by requesting the credit bureaus (ExperianEquifax, and TransUnion) to lift your credit freeze before you apply.

*APR = Annual Percentage Rate current as of 12/01/22. Rate is based on model year and term. Additional terms and rates are available. Rate is valid for purchases and refinances from another lender only; internal refinances are excluded from special rates. Cash out refinances are ineligible. Vehicles with mileage over 100,000 add 2 percentage points to rates. Classic cars add 4 percentage points to oldest rate. Terms and rates will vary on loans for business purposes. Payment example: car loan with model year of 2021 and loan amount of $20,000 for 36 months at 4.99% APR will have an estimated monthly payment of $600.52. Other restrictions may apply.

**APR=Annual Percentage Rate. Rate is effective as of 12/01/22 and is subject to change without notice. Rate is based on an evaluation of your credit history, so your rate may differ. Rate is based on model year and term. Additional model year terms and rates are available. Promotional rates listed are available for a limited time only and are based on evaluation of credit history, so your rate may differ. Maximum 80% LTV for new 2022-2023 model years; maximum 90% LTV for used 2017-2022 model years. Rates are valid for purchases and refinances from another lender only; internal refinances are excluded from promotional rates. Cash out refinances are ineligible. Vehicles with mileage over 100,000 add 2 percentage points to rates. Terms and rates will vary on loans for business purposes. Payment example: car loan with new model year of 2022-2023 and loan amount of $20,000 for 60 months at 5.39% APR will have an estimated monthly payment of $381.84. Other restrictions may apply.

1Offer is valid for auto loan applications received 10/1/22 – 12/31/22 only. A 0.25% rate discount applies for monthly recurring deposit of $500 to Northwest account; 0.50% rate discount with monthly recurring deposit of more than $500 to Northwest account. Recurring deposit must be set up prior to loan disbursement and must remain in effect for the life of the auto loan. The auto loan floor rate is 4.49% APR (APR=Annual Percentage Rate); any applicable rate discount is not available below the floor rate. Offer cannot be combined with any other similar product offers.

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. Minimum loan amounts required.

3No 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.

4 Between 1/1/21 and 12/31/21, the average savings off MSRP experienced by consumers who connected with a TrueCar Certified Dealer through a TrueCar-powered auto buying program and who were identified as buying a new vehicle from that Certified Dealer was $1,824. 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 many vehicles are sold below MSRP. Each dealer sets its own pricing.

5 APR= Annual Percentage Rate. Rate is based on evaluation of credit history, so your rate may differ. Rates effective as of  12/01/22 and are subject to change without notice. 

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