Auto Loans

What We Offer

Take advantage of our competitive auto loan rates and flexible terms with rates as low as 1.49% APR1 . Purchase a new or used vehicle, or refinance your existing loan from another lender to lower your payments.

  • Terms up to 72 months2
  • No payments for up to 90 days2
  • Search for your perfect vehicle with our auto buying partners
  • Use our auto loan calculators online to help determine the type of vehicle, loan type, payment plans, and more
  • Set up auto pay

A sample payment at 1.49% APR would be $28.44 per $1,000 borrowed based on a 36-month loan with 45 days to 1st payment.

Auto Insurance Requirements

If you have an auto loan with North Island Credit Union, you will be required to provide proof of insurance. Comprehensive and collision coverage with a maximum deductible of $1,000.00 must be maintained for the term of the loan. Your policy should be in effect from the date of funding and have a full description of the vehicle shown and North Island Credit Union listed as lien holder.

Lien Holder Address

North Island Credit Union
Insurance Verification Center
PO Box 687
Lake Forest, CA 92609-0687
FAX: (800) 713-0258, Control #4005

Providing Proof of Insurance

North Island has partnered with Insurance Services (Allied Solutions) to track and verify insurance coverage. If you have received a letter from Insurance Services asking for verification of insurance, you may update your insurance information online. You may also provide your proof of insurance via telephone, fax, email, or regular mail using the contact information provided in your notification letter.

Auto Buying Resources

  • Auto Loan Calculators - we have many different calculators to help you figure out what solution is best for you

Which Is Better: A New Or Used Vehicle?
How Much Should Depreciation Cost Me?
Should I Lease Or Purchase A Vehicle?
Should I Finance Or Pay Cash For A Car?
How Much Will My Vehicle Payments Be?
Which Vehicle Loan Is Better?
What Term Vehicle Loan Should I Choose?
Should I Use A Home Equity Loan Instead Of An Auto Loan?
Which Is Better: A Rebate Or Special Dealer Financing?
How Long Should I Keep A Vehicle?
What Vehicle Can I Afford?
Find the Right Vehicle For You

Apply for a Loan

Ready to Apply? Get Started!

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