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Best for: Borrowers looking for extended loan terms up to 96 months.

Northwest Federal Credit Union

Northwest Federal Credit Union — Diverse auto loan options with terms up to 96 months.

Min credit
Not disclosed
APR
From 5.19%
Max vehicle age
Not disclosed
Max mileage
Not disclosed

See your matched lenders and get prequalified. Takes ~3 minutes.

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"Not disclosed" means Northwest Federal Credit Union does not publish this on their public site. "No restriction" means Northwest Federal Credit Union explicitly states no limit.

Overview

Northwest Federal Credit Union provides auto refinancing for loans currently held with other lenders. You can choose from various terms ranging from 36 to 96 months depending on the vehicle's model year and the loan amount.…

What’s great

  • Extended terms available up to 96 months for qualifying vehicles
  • Up to 100% financing including taxes and fees
  • No payments for the first 90 days for qualified borrowers

What to know

  • Higher minimum loan amounts required for longer terms
  • Maximum loan-to-value limits apply to special rates

Eligibility

Minimum credit scoreNot disclosed
APR rangeNot disclosed
APR floor (as low as)From 5.19% — minimum only; full range not published
Maximum vehicle ageNot disclosed
Maximum mileageNot disclosed
Loan amount range$5,000 minimum
Term lengthUp to 96 months
States servedNot disclosed
Membership requirementAvailable to employees of sponsor companies, residents of specific Virginia areas, or members of the Northwest Federal Credit Union Foundation.

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from Northwest Federal Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Northwest Federal Credit Union before applying.

  1. [1]Car Loans | Northwest Federal Credit Union — Auto refinance details — Northwest Federal Credit Union
    https://www.nwfcu.org/loans/car-loans/
    Last checked: October 2026
  2. [2]Auto Loan Rates | Northwest Federal Credit Union — Specific rates by term and year — Northwest Federal Credit Union
    https://www.nwfcu.org/loans/car-loans/auto-loan-rates/
    Last checked: October 2026