We offer up to 125% financing on new or used vehicles with a range of competitive rates and flexible terms to choose from. Northern Indiana FCU is able to assist members with low or no credit, including recent bankruptcy.

We also offer an Auto Refinance Program. If you have financed a vehicle with another financial institution or were pressured into dealer financing, our Auto Refinance Program makes it quick and simple to transfer your loan over to Northern Indiana FCU for a better rate and easier repayment options.

125% financing NADA value
24-84 month terms
Payroll deduction convenience
Quick pre-approvals
Apply in person or online

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Auto Advantage Program

For those with low or no credit, including recent bankruptcy, Northern Indiana FCU offers an Auto Advantage Program. This program allows us to provide loans that, due to a member’s credit or the age of the vehicle, would not qualify under our traditional program.

We’ve Got You Covered

Take advantage of optional programs available exclusively to credit union members. These are inexpensive extras that offer peace of mind and greater coverage.

GAP (Guaranteed Asset Protection) Insurance

One-time payment of $445
Auto Deductible Reimbursement – The primary borrower receives a three-year Auto Deductible Reimbursement benefit that reimburses their Auto Insurance Deductible up to $500 per occurrence (with a maximum of two occurrences per year) when they file a claim with their insurance. The ADR benefit covers any vehicle that the borrower has titled AND insured in their name.
No model, mileage or year restrictions
Eliminates the out-of-pocket expense for the remaining loan balance after loss settlement
Helps protect the borrower’s credit rating