Cars, Boats, Motorcycles, and Other Vehicles

Image background with text overlay. Image is of a car driving down a road at dusk in the background. In the foreground an antlered deer is stepping out of the bushes by the side of the road. Text overlay is right aligned, ‘As low as 3.19%APR* Vehicle loans’ then ‘Winter is right around the bend. Are you ready?’. Text overlay in bottom left-hand corner, ‘Insured by NCUA’. Text overlay spans the bottom of the image, ‘*The annual percentage rate (APR) for a vehicle loan was as low as 3.19% for an approximate term of 24 months. Your actual rate will be determined by your credit qualifications and term you choose. This rate was current as of 10/1/2019 and may have changed. Please call for the current rate.’

Why finance at NorthCountry?

  • Pay the same low interest rate regardless of whether your vehicle is brand new or previously owned
  • A down payment may not be required
  • Up to 125% financing
  • Submit Your Request now, Contact Us, or stop by any branch

We can help you save money, too. Click Here to find the invoice price or fair market value for the car you're buying so you can negotiate wisely. You'll also find Top 10 lists, CARFAX reports, JD Power Ratings, pricing for specialty vehicles, and information about rebates and recalls.

Purchase

When you’ve found the car you want, Submit your Request* and get an instant response, or make an appointment with a loan officer at any of our branches. We’ll contact you with any questions and let you know when your check will be ready.

Want to know how much spending power you have before you start shopping? Contact Us for a free pre-approval. Our Loan Officers will let you know exactly how much spending power you have, so you’re informed when you start your search.

If you went straight to the dealership, ask for NorthCountry financing! Our partnership with dealers across the Champlain Valley, Central Vermont, and Northeast Kingdom means easy on-site financing for you.

* If you aren’t yet a member of the credit union, you will be asked to open a savings account with a minimum balance of $5. This is your “share” of our financial cooperative. Your $5 will remain safely in your account and earn dividends for as long as you wish to remain a member and have full access to all of our products and services.

Refinance

Refinancing your vehicle loan with a lower rate can save you money and lower your payment. Submit your Request* and we’ll contact you with any questions, or Contact Us to set an appointment with a Loan Officer.

Need cash? If the amount you owe on your car is less than its value, you may qualify to refinance your vehicle and cash out some of its equity at a low fixed rate. To discuss this option, please Contact Us.

* If you aren’t yet a member of the credit union, you will be asked to open a savings account with a minimum balance of $5. This is your “share” of our financial cooperative. Your $5 will remain safely in your account and earn dividends for as long as you wish to remain a member and have full access to all of our products and services.

What would you like to do today?

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Helpful Information