Flexible New Auto Loans
   Northland has better, more flexible options to dealer financing.  You are not limited to the dealer's rigid financing options.
   A new car loan at Northland allows you to: 

  • Set your payment date with the first payment deferred up to 90 days from the date of your loan.
  • You are allowed up to 2 skip payments per year (you pay only the interest due and skip the principle payment).   
  • Adjust your payment date if the need arises. 
  • You can extend your payment schedule.
  • You can draw out the equity dollars in your vehicle as needed.
    We will finance up to 100% of the Manufacturer's Suggested Retail Price (MSRP) without any Dealer adjusted profit or pricing.
    We will finance up to 120% of the Manufacturer's Suggested Retail Price (MSRP) with proof of GAP insurance coverage.
    You can use our Car Loan Calculator to get an idea what your payments might be.  
    You can obtain the MSRP of any new vehicle for free by visiting our partner: CU Auto Solution and clicking on "New Cars".  
    You can find out the average miles per gallon and the estimated annual fuel costs for any vehicle from 1985 to present by going to www.fueleconomy.gov.  
    If you're buying a new auto from a car dealer you will want read this:

  • Your auto dealer has probably worked with us before.  Tell him up front that you want to finance through Northland Credit Union and make your best deal on the price of the car with the dealer.
  • Become a wizard at haggling with the dealers. Click our How to Buy Used and Dealer Tricks links. 

    Check our Loan Rates.