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Drive off in your dream car

Drive your dream car with our tailored Auto Loans

Flexible terms, competitive rates, and quick approval

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Discover the advantages of choosing our Auto Loans

Enjoy an auto loan from Northwoods because your money should work harder, not cost more.

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Low, fixed interest rates

Low, fixed interest rates to save you money over the life of your loan.

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Flexible repayment plans

Flexible repayment plans tailored to fit your budget.

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Local support when you need it

Our team is from the area and can assist you in every step

What our customers say

Awesome Customer Service and a feeling that a banker cares. I have been working with Northwoods for a few months, ever since they merged with Floodwood Credit Union. They do not have that big bank feel. They have a genuine conversation and care about the needs of their members. They work with you and figure out what is going to work for the member. I have transferred two car loans over to them and they have been fabulous.
Jen A.
I have been with NCU for about 10 years now. When I first got married they were the only bank that helped my husband and I get approval for our dream house! Since then they have helped with car loans and another house. They have also never forgotten to send my kids a $5 birthday gift!
Brooke S.
Awesome Bank! The customer service is outstanding. The mortgage department is outstanding along with the loan officers. We used Michelle for our mortgage and it was one of the best experiences we have had at a bank. We have all of our auto loans at Northwoods Tessie is probably the best loan officer I have ever dealt with. Best Bank in the area hands down :-).
Dave P.

Frequently asked questions

Find answers to common questions about auto loan financing, pre-approvals, vehicle purchases, and loan applications.

  • An auto loan helps finance the purchase of a new or used vehicle.

  • Yes. Pre-approval can help you understand your budget before shopping.

  • Yes. Financing may be available for eligible used vehicles.

  • You can apply online, visit a branch, or contact a loan officer.

  • Yes. Northwoods Credit Union offers auto loan options for qualified borrowers.

  • Financing may be available for eligible private-party vehicle purchases.

  • Loan amounts depend on qualifications and the vehicle being financed.

  • Requirements vary but may include identification, income, and vehicle information.

  • GAP waives all or part of the difference between your primary insurance company’s settlement and the payoff of your loan balance up to a certain loan to value maximum.

    Disclaimer: *GAP is subject to limitations and exclusions, including a loan-to-value (LTV) maximum that may cap the benefit you receive*

  • Mechanical Breakdown Protection also known as a Vehicle Service Contract or MBP, is automobile protection that extends beyond the manufacturer’s factory warranty and covers repairs of unexpected mechanical or electrical failures.

    • Secure equity that you have built into your loan. Each monthly payment made towards loan may also be protected
    • Life of loan protection
    • No mileage, make, or year restrictions
    • Open enrollment
    • 100% refundable for the first 60 days
    • Accidental death protection included

Make informed decisions with our resources

Debt Protection

Learn how Debt Protection may help cover your loan payments in the event of death, disability, or involuntary unemployment.

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GAP Coverage

Discover how GAP coverage can help protect you from unexpected expenses if your recreational vehicle is totaled or stolen.

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Understanding Your Credit Score

Knowing where your credit score stands is vital for your loan process.

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Easy steps to owning your new car

From pre-approval to driving away, we'll help make financing your next vehicle simple and straightforward.

  • 1

    Apply

    Apply online in minutes with our straightforward application process.

  • 2

    Sign

    Get a fast decision and understand your options fully.

  • 3

    Drive

    Choose your car and complete the paperwork seamlessly.

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Earn rewards for everyday spending.

Start your loan application today

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Apply online 24/7 whenever it’s convenient for you.

Become a credit union member today!

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Discover the benefits of becoming a member.

Ready to get behind the wheel?

Your next vehicle starts here

Whether you're shopping for a new vehicle, upgrading your current ride, or refinancing an existing loan, Northwoods Credit Union is here to help you move forward with confidence.

Apply now View rates

Rates

Secured Loan rates

Rates effective as of: August 26, 2026

*APR = Annual Percentage Rate.
1 Up to 125% financing on new autos for qualified members and up to 125% financing of the NADA Clean retail value on used autos for qualified borrowers.
2 Rates are determined based on the creditworthiness of the applicant.
3 Terms are determined based on the creditworthiness of the applicant and by the loan amount.
4 Up to 125% financing on new for qualified members and up to 125% financing of the NADA Clean retail value on used for qualified borrowers.
5 Commercial Equipment Rates = 3% higher.

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