Wise Choice Auto Financing

How would you like a low payment vehicle loan program that combines the best features of conventional financing along with the benefits of leasing? Sound too good to be true? Northwoods Credit Union has the vehicle financing answer for you!

YOU Own the Vehicle

No Application Fees

No Up Front First or Last Payment

No Security Deposit

No Early Payoff Penalty

24 to 72 Month Terms Available

Mileage Options of 7,500 to 18,000* per Year Available

100% Financing with NO MONEY DOWN - even the taxes and registration fees can be included in the payment plan.

Many options at the end of term - Sell, Trade, Refinance, Pay in Full or Return Vehicle at Loan Maturity and simply "Walk-away"

Get more car for your money! Drive a better car and have a lower payment than a conventional loan.

Drive a newer car with lower maintenance costs

The Wise Choice

Our new Wise Choice Auto Financing gives you the best of both worlds. Like a lease, Auto Smart Loan payments can be considerably lower than conventional financing. Yet, unlike leasing, you own the vehicle and have all of the flexibility and benefits that come with vehicle ownership!

Drive a newer car with lower maintenance costs, a safer car with 4-wheel drive, or a larger car to accommodate your family!

All new and up to five-year-old cars, vans, and light trucks qualify for the Wise Choice Auto Financing. Vehicles can be financed for up to 72 months! Click for Disclosures & Rates


Take the wheel and apply for Wise Choice Auto Financing with Northwoods Credit Union today!


Looking for a more traditional Auto Loan option instead? Take a look at our traditional Auto Loans.