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New & Used Autos

Are you in the market for a new or used vehicle? Look no further and take advantage of our low rates. Getting pre-approved prior to starting your shopping process or committing to any deal will ensure that you are staying within your pre-approved amount and to avoid any surprises later.

We rate match! Find a lower interest rate elsewhere, have a credit score of 670 or higher, we will rate match up to 1% difference off of our lowest rate (term has to match).

Getting Pre-approved

  • Submit an online loan application
  • Provide proof of income (email to
    • Last two pay stubs
    • Most recent W-2 OR
    • A statement from your financial institution (showing two or more regular direct deposits)
    • NIU employees (only) are welcome to fill out this income verification form
  • Pre-approvals are good for 60 days

Additional Required Documentation

Once you have been pre-approved and have found a vehicle or are ready to refinance your current loan, we will need the following documents.

New Auto Loan
  • Buyers order/ bill of sale
  • Vehicle Manufacturer's Suggested Retail Price (MSRP)
  • Note: "new" auto has never been titled
Used Auto Loan
  • Buyers order/ bill of sale
  • We finance Certified Pre-owned vehicles! Be sure to have the dealer indicate on the buyers order the vehicle is certified pre-owned.

For used vehicles years 2009-2019 we can loan up to 100 percent of the National Automobile Dealers Association (NADA) listed clean retail value, 2008 and older up to 90 percent of NADA clean retail value (a minimum value of $5,000 is required)

Auto Refinance
  • Ten-day payoff quote
  • Institutions name and address of where we need to mail funds
  • You will be responsible for the Illinois Secretary of State title fee to place Northern Illinois Federal Credit Union as lien holder on the vehicle (you may pay the fee up front or roll it into the loan)


Loan processing takes approximately 24-48 hours to respond to a request. We make every effort to determine how we can help your financial well-being. In the instance we are not able to offer the loan requested, we will sometimes counteroffer a product or service we feel would help you.

Apply Today