Vehicle Loans

iN Real Life…

Your key to freedom starts here.

Your first car is oftentimes your first taste of real freedom. But buying that first car doesn’t need to feel like your spinning your wheels. Discover hassle-free auto loans at NRLFCU.

Rates as low as 2.24% APR*

  • 90 days of no payments
  • Repayment terms starting at 36 months
  • AND no credit required

Apply Now!


*APR = Annual Percentage Rate. Sample payment based on the advertised rate is $28.75 per $1,000.00 financed. Advertised rates include maximum loyalty reward credit. Deferred payment option is available to all members. Payment deferral period is 90 days from the date of the loan until the first payment and may be slightly longer based on scheduled first payment.  Regular monthly payments may be made during the deferment period but are not required.  Deferring a payment will result in a longer period of accrued interest which may cause your first payment or first several payments to be disproportionally greater to interest than to principal.

This is one smooth ride. With NRLFCU beside you, we’ll make it easier to deal with dealers and make smart decisions about your vehicle, financing and more.

Start Your Engines
We offer a  variety of low-rate loans for everyday rides and leisure vehicles—from minivans to Maseratis, hybrid hatchbacks to private planes:

New & Used Vehicle Loans

Got your eye on a car, hybrid, truck, van or motorcycle? Check out our eye-catching rates on new and used vehicles.

  • Great low APR. Click here for current rates.
  • Save the environment—and money—with a new or used hybrid vehicle loan.
  • Flexible repayment terms available

Already have a loan with another financial institution? Consider refinancing it at NRLFCU and save with our great rates. Take a peek at the Auto Refinance Calculator to see how much you’ll save.

Leisure Vehicle Loans

Time for downtime. What floats your boat? Ask about our loans for RVs, campers, jet skis, airplanes—and yes, boats.

  • Great low APR. Click here for current rates.
  • Flexible repayment terms available.

Loyalty Rewards Lowers Rates Further

All NRLFCU auto loans—including leisure, hybrid vehicle and MyChoice Auto Loans—are eligible for Loyalty Rewards rates, which could lower your rate by as much as .25% APR!

*APR = Annual Percentage Rate

^Auto Guaranteed Savings Disclosure – Guaranteed Savings represents the amount that a TrueCar Certified Dealer selected by you guarantees that you will save off the Manufacturer’s Suggested Retail Price (“MSRP”) on any in-stock vehicle that is the same make, model, and trim as your Ideal Vehicle. The Guaranteed Savings is based on a vehicle without factory or dealer installed options and includes generally available manufacturer incentives.

^^Auto MSRP Disclosure – Between 7/1/18 and 9/30/18, the average savings off MSRP presented by TrueCar Certified Dealers to users of TrueCar powered websites based on users who received in-stock price offers and who TrueCar identified as purchasing a new vehicle of the same make and model as one of the in-stock price offers from a Certified Dealer as of 10/31/18, was $3,402. Your actual savings may vary based on multiple factors including the vehicle you select, region, dealer, and applicable vehicle specific manufacturer incentives which are subject to change. The MSRP is determined by the manufacturer, and may not reflect the price at which vehicles are generally sold in the dealer’s trade area as not all vehicles are sold at MSRP. Each dealer sets its own pricing.