Auto Loans
We make buying or refinancing easy with competitive rates for auto, recreational vehicles, motorcycles and title loans. If you’re still shopping, get a pre-approved while you decide on the perfect car.
General Requirements:
- All borrowers must have an account/membership with NPFCU to apply for a loan.
- All borrowers must be in good standing and be of legal contractual age.
- All borrowers must have legal status to reside and work in the United States.
- Valid Vehicle Insurance with Nizari PFCU listed as lien holder (required upon approval/closing of the loan)
- Purchase Contract/ Pay off letter
- Original Title (Title Loans Only)
- Valid Driver’s License
Terms and Conditions:
- New auto is considered a current year model or previous year model not exceeding 5,000 miles. Mileage in excess of 5,001 and older than the previous year model is considered used; however, vehicle classification will be determined by the purchase contract for dealer purchases.
- We do not finance salvaged or rebuilt vehicles.
- Maximum age of vehicle up to 10 years old and mileage 100,000
- The interest rate is based on the credit score of the applicant and the loan term.
- Proof of Income and/or Guarantor may be requested.
- Proof of Income and/or Guarantor may be requested.
- Application fee applies (refer to application fee).
- Maximum loan amount up to $250,000.
- Maximum terms up to 96 months for new auto and 84 months for used auto vary based on the age/loan amount of the vehicle.
- Rate as per rate schedule – See our rates page.
All of the above terms and conditions are subject to change. Some restrictions may apply.
AUTO LOAN OPTIONS
NEW OR USED CAR LOAN
REFINANCE AUTO LOAN
REFINANCE CASH OUT / TITLE LOAN
LOAN FEATURES
Competitive Rates
Flexible Terms up to 96 Months
100% Financing for Qualified Borrowers
No Prepayment Penalties
Compare Our Vehicle Loan Options
| Loan Type | Purchase | Refinance | Refinance Cash Out /Title Loan |
|---|---|---|---|
| Best For | Purchase a new or used vehicle from a dealer | Better terms on your current auto loan | Accessing extra cash |
| What You Get | Financing to drive away today | Better terms on your current auto loan | Cash from your vehicle’s equity — keep driving your car |
Getting Started
Eligibility: All borrowers must have an NPFCU account or be eligible for membership, be of contractual legal age, and have legal status to reside and work in the United States. Rates, terms, and conditions apply.
Our online application portal will allow you to submit your application. Loan officers will provide you with a secure upload link to upload any supporting documents needed to process a loan once the application is submitted.
Need Additional Coverage?
Mechanical Repair Coverage (MRC)
Essential protection against unexpected repair costs.
