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Auto Loan Rates as low as 3.99%1

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Special Offer

If we can't lower your auto payment or rate, then we'll give you a $50 gift card!


When it’s time to purchase a vehicle, many people turn to auto loans to do so. In fact, in 2017, CNN estimated that 107 million Americans had car loans. At Northpark Community Credit Union, we understand how important it is for community members to have a working vehicle to get to work or school and run errands. To meet the growing need for auto loans, we have created a simplified auto loan application process.

How to Apply for a Car Loan

Before applying for a car loan, it is important to check your credit score. The terms you receive for your loan depends heavily on your credit history. If you have a low credit score, take some time to find out why and improve it. Also, ensure you have proof of income and meet other auto loan requirements.

If you need a car immediately or already have a good credit score, use our online form to apply for car loan offers. Even if you do not have an excellent credit score, our bank may have an affordable loan offer for you.

Why Finance a Vehicle

For years, the advice finance gurus gave consumers was to purchase a vehicle in cash. This works well if you have a lot of cash at your disposal. However, tying up your cash in a depreciating asset may put you at a disadvantage if emergency expenses or opportunities for investment later arise. Financing allows you to spread out the cost over time, and you can still pay it off early.

Why Choose Northpark Community Credit Union

There are many great options for securing an auto loan when looking for a vehicle. In fact, even the car dealership may attempt to entice you into using their own lenders. However, any experienced car-buyer can confirm that credit unions tend to offer the best interest rates and terms. 

Does this sound like the kind of auto loan that would improve your car-buying experience? Contact us for more information.

Key Features

  • Competitive Rates
  • Flexible Terms
  • Personal Service
  • Competitive rates on new or used vehicles or motorcycles
  • Up to 115% loan-to-value financing available
  • Flexible terms to fit your budget, up to 84 months
  • No early payoff penalties
  • Pre-approval available for extra bargaining power at the dealership
  • Refinance your current vehicle to potentially lower your rate
  • Local decision-making and fast processing
  • Personalized service from community members like you

We offer special rates for GAP (Guaranteed Asset Protection) and MRC (Mechanical Repair Coverage) insurance for your vehicle. GAP protects you if your vehicle is totaled before you’ve paid it off, while MRC helps with auto repairs, including: 

  • Engine
  • Drive Axel
  • Transmission
  • Seals & Gaskets
  • Brakes
  • Colling
  • Electrical
  • Fuel System
  • Fluids
  • Steering
  • Suspension
  • Touring Equipment
  • And more 

Give us a call today at 317-733-2200 or contact us online to get a quote on these auto insurance options.

1 Rates effective November 1, 2021, subject to change without notice. Each individual’s Annual Percentage Rate (APR) is determined by NorthParks’ underwriting criteria. Rate may vary depending on credit history, vehicle model year, and loan term. Not all applicants will qualify for the displayed lowest rate. APR calculation and estimated monthly payment of $653.71 based on a loan amount of $30,000, FICO® score of 730 or greater, term of 48 months, and the loan being a purchase or non-NorthPark Community Credit auto loan refinance. The payment shown does not include taxes or insurance premiums. Additional conditions may apply. Subject to credit approval.

Offer not available on loans with current interest rate less than 2.99% Annual Percentage Rate (APR). Amount financed must be $10,000 or greater. 1 month of storage ($200 cap); or $100 Visa if they aren't doing a storage unit. Existing NorthPark loans are exempt from this offer. Offer applies to auto and recreational vehicle loans only. Applicant must meet NPCCU credit approval qualifications to qualify for $50. Membership eligibility is required. Credit terms and conditions apply. Offer is effective Feb. 20, 2022 and is subject to change at any time. $50 will be issued via NPCCU check payable to applicant. Applicant is responsible for tax reporting. Federally insured by NCUA.