Auto Loans

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.

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