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Discover a wide array of vehicle loan options

The NIH Federal Credit Union offers new and used vehicle loans, plus refinance options for a wide variety of vehicle types.

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Vehicle loans

The NIH Federal Credit Union offers fast and easy auto loans whether you are buying or refinancing a car, truck, or SUV. Our auto loan program features:

Want to estimate your payment? Use our vehicle loan calculator

Fall auto loan bonanza: Finance your NIHFCU Car Buying Service purchase and get 0.25% off your rate through 1/15/2019*
Speak to an expert
1-855-852-4748
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Car Buying Services

Shop for your next auto with our complimentary, no obligation Car Buying Service, with special member pricing at convenient dealerships, nationwide.

Auto Loans for International Fellows

Are you an international fellow? Be sure to check out our popular Fellows Advantage Program to support your unique borrowing needs. Learn more

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Motorcycle Loans

The NIHFCU finances new and used motorcycles and our program features:

Want to estimate your payment? Use our vehicle loan calculator

Speak to an expert
1-855-852-4748
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Get pre-approved with START!5

Our START (Sign Today and Ride Today) program is better than a traditional pre-approval. Not only do you get the assurance of being a cash buyer, you also close your loan right at the dealership. Here is how it works:

  • Apply for low-rate NIHFCU financing and request your START Express Draft

  • Bring your START Draft to the dealer and shop confidently like a cash buyer

  • Close on NIHFCU financing at the dealership. Just fill out the START Draft and let the dealer take care of the rest

  • Drive off the lot without unnecessary delay

Speak to an expert
1-855-852-4748
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Refinance to reduce your rate and lower your payment

Most people don’t get the best deal when they first finance their purchase, whether it be at the dealer or a bank. That’s where we come in, with exceptional refinance terms that may be able to help quickly recoup money you can use for savings or other needs. Contact a loan representative today.

Speak to an expert
1-855-852-4748
five stars

All online auto refinance

I refinanced my vehicle with NIHFCU and they gave me a great rate! Very easy process. I completely did everything online without having to go to the branch. I was even able to sign all my documents electronically. Process only took about 5 days!

Cindy

Bethseda, MD

five stars

Easiest loan application ever!

The loan application was a simple and fast process. The staff was very friendly whenever I called to ask questions about the loan and how to start paying it back. Overall, it's been a great experience.

Kim

College Park, MD

Financial wellness begins and ends with the facts. Here's what you need to know!

1Annual Percentage Rates (APRs) as of 11/01/18 and subject to change without notice. The lowest APR shown is available to applicants with excellent credit and includes a rate discount of 0.25% for automatic-debit loan payments from NIHFCU TotalCare checking account. If automatic payment ceases before loan is paid in full, the interest rate will increase by 0.25%. Final rates and terms for approved applications depend on type of collateral, credit and payment history, payment method and other factors that may be lawfully considered. Restrictions may apply. Payment example: Loan amount of $20,000 at a rate of 1.99% APR for 24 months would have monthly payments of $877.00.

2 New motorcycle or auto loan-to-value (LTV) is based upon the MSRP and is defined as a vehicle that has not been titled. Used motorcycle and auto loan LTV is based upon NADA retail value.

3 A 90-day deferral of the first payment is an option available on all vehicle loans. Deferring a pay-ment will delay the payoff of your loan, and result in additional finance charges if you only make minimum payments. You need to make up the deferred payments. The 90-day deferral program is subject to change at any time; restrictions apply. 

4 Skipping a payment will delay the payoff of your loan, and result in additional finance charges if you only make minimum payments. You need to make up the payment skipped. Auto loan skip-a-pay program is subject to change at any time; restrictions apply. Complete the Payment Vacation form to enroll.

5 Credit restrictions apply; all loans are subject to credit approval and terms may vary. Your “Pre-Approved Express Draft” is void after 30 days and can only be used at a Franchised Dealership for the purchase of new or used automobiles or trucks only (RV’s, motorcycles, boats and unse-cured/personal loans are excluded). The “Pre-Approved Express Draft” is not valid for sales be-tween private parties, lease buy outs, auctions or to purchase reconditioned or salvaged vehicles.

6 Programs vary by state. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of terms and conditions of the NIHFCU Loan Guardian Debt Protection program. You may cancel the protection at any time. If you cancel within 30 days, you will receive a full refund of any fee paid. Purchasing Loan Guardian protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain the loan.

7 Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan rep-resentative or refer to the Member Agreement for a full explanation of the terms of GAP. If you choose GAP, adding the product fee to your loan amount will increase the cost of GAP. GAP-1062538.1-1114-1216

8 As of September 1, 2018; subject to change without notice at any time

9 Programs vary by state. Not available on motorcycles. MEMBERS CHOICE® Mechanical Repair Coverage is administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in FL, LA, OK and WI where coverage is provided and ad-ministered by Automotive Warranty Services of Florida, Inc. (Florida License #60032) and in TX, where the Obligor and Administrator is Consumer Program Administrators, Inc., doing business as The Administrators of Consumer Programs; and in WA where the Obligor and Administrator is National Protection Care Company, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In CA where Mechanical Repair Coverage is offered as insurance (form MCCU-001-MBI) it is under-written by Virginia Surety Company, Inc. MRC-1613248.1-1016-1118 © CUNA Mutual Group 2016, All Rights Reserved

10 Members choice 24-hour emergency roadside assistance includes up to $100/occurrence. Includes towing, battery jump, fluid delivery, flat tire and lock-out service.

11 Members choice Travel reimbursement includes up to $500 for lodging, food and rental expense when a covered breakdown occurs more than 100 miles from home.

12 TruStage® Auto and Home Insurance Program is made available through TruStage Insurance Agency, LLC and issued by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverages and limitations. The insurance offered is not a de-posit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

13 Average annual savings based on countrywide survey of new customers from 01/27/2014 to 01/16/2015 who reported their prior insurers' premiums when they switched to Liberty Mutual’s group auto and home program. Savings do not apply in MA.