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

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 $395
  • 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

Extended Warranty Plans

  • Often cost much less than dealerships
  • $0 dollar deductible on all plans
  • Emergency roadside assistance
  • Rental car allowance
  • Battery coverage

Other Vehicle Loans

We have vehicle loans for every need and speed, including motorcycles, boats, four-wheelers and more.

Quick Links

Auto Loans

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We are a member-owned, not-for-profit financial institution providing a full range of convenient products and services.

NMLS: 1820309

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To report a card as lost or stolen please call 1-800-449-7728. If you are out of the country you can call collect at 1-727-299-2449 to make a report.

© 2023 Northern Indiana Federal Credit Union