Get More for Less with Northwoods Credit Union’s Wise Choice Auto Financing!

Affordable New and Used Auto Loan Options – Locally*

Are you experiencing “sticker shock” while shopping for a new or pre-owned vehicle? Are you lowering your standards to get the vehicle payment you can afford instead of the vehicle you want?

Do you think that buying less than a vehicle that you really want is your only option? Have you been financing your vehicle for longer loan terms than you want, just to bring your monthly payment down?

If you are this borrower, Northwoods has the solution for you! The Wise Choice Auto Financing program can put you behind the wheel of that new or pre-owned vehicle you want, with a monthly payment you can afford.*

Like a lease, the program offers monthly payments considerably lower than conventional financing. Yet, unlike a lease, with our Wise Choice program, the vehicle is titled in your name— you own the vehicle without all the hassle or hidden costs associated with leasing.

With the Wise Choice Auto Financing program, vehicles up to five model years old are eligible.


AFG Wise Choice Auto Financing at Northwoods Credit Union. Apply Now!


Discover the advantages of the Wise Choice Auto Lending program for yourself:

  • No first or last payment or money due at signing
  • Vehicle ownership felxibility
  • No capitalization fees
  • No acquisition fees
  • Mileage options of 12,000 / 15,000 / 18,000 miles per year are available
  • Option to sell, trade, refinance, or payoff at any time during your loan term without any early termination fees
  • Simply surrender your vehicle and “walk away” at loan maturity
  • Take advantage of the suite of benefits while receiving local support here in the Northland. With Northwoods Credit Union branches in Cloquet, Moose Lake, and Floodwood, you are covered locally! Locations & Hours.


AFG Wise Choice Auto Financing at Northwoods Credit Union. Apply Now!


Ready for local low auto loan payments?

Find out how low your Wise Choice monthly payment could be. Click to go to the Wise Choice Financing Calculator where you can build your dream vehicle and compare the low AFG Balloon Lending payments to what you would pay on a conventional loan.

Visit The Wise Choice Financing Page


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*Not all applicants will qualify. NCU is insured by NCUA. Some links may take you to an outside website. We don’t control the content of outside sites. Please review their Privacy Policy as it may differ from ours. We hope you found the info you were looking for from Northwoods Credit Union.We do our best to provide helpful info but can’t guarantee the accuracy or completeness of the info presented in the article, under no circumstance does the info provided constitute legal advice. You are responsible for independently verifying the info if you intend to use it in any way. Additionally, the content is not intended to be reflective of NCU’s products or services, for accurate and complete details about our product and service information, visit our product pages and talk with an NCU employee.