Consumer Loans: Vehicles

Northern Hills Federal, we help finance your dreams.  Let us know what your dream is, and we’ll find solutions to help make your dreams come true.

PREAPPROVAL AVAILABLE!  When you go into a dealership with an approved loan, it's like shopping with cash. You don't need to haggle over financing and you're free to negotiate on price alone. You can take advantage of any cash rebates to lower the amount you borrow. That can cut your monthly payments. Your approval is valid for 30 days giving you plenty of time to find the vehicle you want and strike a deal.

Loans

Vehicles

Northern Hills Federal Credit Union offers competitive interest rates with flexible terms.  We have no prepayment penalties with a quick turnaround time.  Get your loan pre-approved so you know how much you can afford before you walk onto the lot…it makes for easier shopping. 

Use our handy calculators to determine how much car you can afford, what your monthly payments would be, which loan costs more, whether you should lease or purchase and whether you should take the rebate instead of the special financing offer. 

Are you trading in a vehicle?  Then you should know what your trade-in is worth in advance.  Log onto www.nada.com for book values.

  • Autos & Trucks

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    Let our friendly lending staff take the hassle out of buying a vehicle. Loan interviews are held in private offices but most of the details can be handled right over the phone so all you need to do is sign and go!  Most loans can be completed the same day!

    • Qualified borrowers can finance up to 100% of the purchase price – plus enough to cover sales tax, filing fees and more at terms up to 72 months.  Have an existing loan elsewhere?  Move it here and save! 

    Classic Auto financing is also available to qualified borrowers on vehicles at least 20  years old.  We offer up to 100% financing of the purchase price to qualified borrowers –plus sales tax, filing fees and more, with terms up to 60 months.  Inspection required.

  • Motorcycles

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    • Here in the motorcycle capital of South Dakota, we Love to finance new bikes!  Let us put you in the driver’s seat this year! 

    Many of our members finance their motorcycles with NHFCU instead of with dealers or banks every year. Why? Because they know NHFCU is a not-for-profit financial institution they own. Wouldn't a financial institution you own work harder for you than a for-profit company?  We make loans for buying or refinancing your bike more affordable, easier to get, and more flexible than you'll find elsewhere.

    Qualified borrowers can finance up to 100% of the purchase price – plus enough to cover sales tax, filing fees, and more at terms up to 84 months. Have an existing loan elsewhere?  Move it here and save!

    Tip:  New motorcycles instantly lose value the minute you drive them off the dealer's lot. If you buy a late model used motorcycle, someone else takes that loss. You'll save a bundle.