- Loan Rates
- Deposit Rates
| Includes current and one-year prior model year vehicles refinanced from another lender | |
|---|---|
| Term | APR* |
| Up to 29 months | As low as 5.34% |
| 30 - 41 months | As low as 5.54% |
| 42 -53 months | As low as 5.84% |
| 54 - 65 months | As low as 6.04% |
| 66 - 72 months | As low as 6.54% |
| Includes vehicles up to 7 model years' old refinanced from another lender | |
|---|---|
| Term | APR* |
| Up to 62 months | As low as 6.04% |
| 63 - 65 months | As low as 6.34% |
| 66 months | As low as 6.34% |
| 67 - 72 months | As low as 6.54% |
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*APR=Annual Percentage Rate. Limited time offer valid for refinancing an auto loan from another lender only. Existing First Northern vehicle loans do not qualify for this offer nor doDriving Sense loans, LendPro loans, First-time Car Buyer Program, Credit Rebuilder vehicle loan, Miscellaneous Collateral, and RateGenius loans. Not valid with any other offers or discounts. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions and are subject to change at any time without notice. Rate quoted is the lowest rate for highly qualified applicants.Your rate will be determined at the time of your application and may be higher. Repayment Example: A loan of $40,000 at 5.54% APR for 60 months is a monthly payment of $764.79and total interest of $5,887.11.**For no payments for 90 days, interest accrues from the date of loan disbursal.Title correction feeand other processing fees may apply.
| Term | APR* |
|---|---|
| Up to 29 months | As low as 5.59% |
| 30 - 41 months | As low as 5.79% |
| 42 - 53 months | As low as 6.09% |
| 54 - 65 months | As low as 6.29% |
| 66 - 72 months | As low as 6.79% |
| 73 - 84 months | As low as 7.29% |
Apply Now Learn More
| Term | APR* |
|---|---|
| Up to 62 months | As low as 6.29% |
| 63 - 66 months | As low as 6.59% |
| 67 - 72 months | As low as 6.79% |
| 73 - 84 months | As low as 7.29% |
Apply Now Learn More
*APR=Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change at any time without notice. Your rate will be determined at the time of your application. Repayment Example: A loan of $30,000 at 5.79% APR for 60months is a monthly payment of $577.06and total interest of $4,623.55.Late payment fees and processing fees may apply.
| Term | APR* |
|---|---|
| Up to 29 months | As low as 5.59% |
| 30 - 41 months | As low as 5.79% |
| 42 - 53 months | As low as 6.09% |
| 54 - 65 months | As low as 6.29% |
| 66 - 72 months | As low as 6.79% |
ApplY FOR A NEW AUTOGet a Custom QuoteLearn More
| Term | APR* |
|---|---|
| Up to 62 months | As low as 6.29% |
| 63 - 66 months | As low as 6.59% |
| 67 - 72 months | As low as 6.79% |
Apply for a used autOGet a Custom QuoteLearn More
*APR=Annual Percentage Rate. Repayment example: Driving Sense loan amount of $40,000, 5.79% APR, term of 60 months, and a $895 one-time program fee financed into the loan to secure a Guaranteed Future Value of $18,500: Payments 1-59 are $430.77with a 60th/final payment due for the residual value amount of $18,500 (Guaranteed Future Value) and total interest paid of $4,346.48. You have four options to satisfy the final payment, as noted above. If you elect to return the vehicle you will have the following obligations: 1. All original equipment that came with the vehicle when you purchased it must still be with the vehicle. 2. If you exceed your mileage allowance, the excess mileage fee is $.10 per mile, and 3. The condition of the vehicle when returned must comply with the Loan Addendum provided to you at the time of loan disbursement. If you return the vehicle in accordance with the Loan Addendum, you will be charged a low $195 disposition fee and the residual amount is considered to have been fully satisfied and the loan is closed.
| Product | APR* |
|---|---|
| Visa Platinum | As low as 8.99% |
| Visa Platinum Premier | As low as 10.25% |
| Visa Classic | As low as 12.25% |
Apply for Visa Platinum Apply for Visa Platinum Premier Apply for Visa Classic Learn More
*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change at any time without notice. Your rate will be determined at the time of your application.
| Term | APR* |
|---|---|
| 5-Year Fixed | As low as 6.99% |
| 10-Year Fixed | As low as 7.24% |
| 15-Year Fixed | As low as 7.54% |
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*APR=Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Available on Illinois residences only. Repayment Example: A loan of $100,000 at 6.49% APR for 60 months is a monthly payment of $1,956.15and total interest of $17,368.79.Late payment fees and processing fees may apply. **Minus any balances owed. Your amount may vary based on credit qualifications.
| Type | APR* |
|---|---|
| Line of Credit (variable) | As low as 7.75% |
Apply Now Learn More
*APR=Annual Percentage Rate. Home Equity Lines of Credit have variable rates. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Rates are subject to change. The variable Line of Credit rate is set at the time of your loan (your initial rate) and adjusted each January and July 1st based on the Prime Rate as published in The Wall Street Journal, plus a margin as low as -.50% on Home Equity Lines of Credit (your margin may differ based on your qualifications). As of 5/4/2023the Prime Rate was 8.25% APR.Available on Illinois residences only.Late payment fees and processing fees may apply.**Minus any balances owed. Your amount may vary based on credit qualifications.
| Term | APR* |
|---|---|
| 7-Year Fixed | As low as 10.54% |
Apply Now Learn More
*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Offer valid on Illinois residences only. Repayment Example: A loan of $100,000 at 10.04% APR for 84 months is a monthly payment of $1,662.19and total interest of $39,623.62.Late payment fees and processing fees may apply.**Minus any balances owed. Your amount may vary based on credit qualifications.
| Type | APR* |
|---|---|
| Line of Credit (variable) | As low as 10.25% |
Apply Now Learn More
*APR = Annual Percentage Rate. Home Access Lines of Credit have variable rates. Loans and Lines of Credit are subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Rates are subject to change. The variable Line of Credit rate is set at the time of your loan (your initial rate) and adjusted each January and July 1st based on the Prime Rate as published in The Wall Street Journal, plus a margin as lowas 2.00% for Home Access Lines of Credit (your margin may differ based on your qualifications). Your margin may vary based on your credit qualifications. As of 5/4/2023the Prime Rate was 8.25% APR. Late payment fees and processing fees may apply.**Minus any balances owed. Your amount may vary based on credit qualifications.
| Term | APR* |
|---|---|
| New: Up to 60 months | As low as 8.19% |
| Used: Up to 60 months | As low as 9.89% |
Apply FORNEWApply FORUSEDLearn More
*APR=Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change at any time without notice. Your rate will be determined at the time of your application. Repayment Example: A loan of $30,000 at 7.69% APR for 60 months is a monthly payment of $603.85and total interest of $6,231.05.Late payment fees and processing fees may apply.
| Term: New | APR* |
|---|---|
| Up to 29 months | As low as 5.79% |
| 30 - 41 months | As low as 6.29% |
| 42 - 53 months | As low as 6.59% |
| 54 - 65 months | As low as 6.79% |
| 66 - 72 months | As low as 7.49% |
| 73 - 84 months | As low as 8.49% |
| 85 - 120 months | As low as 8.79% |
| Term: Used 7 model years & newer | APR* |
| Up to 62 months | As low as 6.79% |
| 63 - 66 months | As low as 7.29% |
| 67 - 72 months | As low as 7.49% |
| 73 - 84 months | As low as 8.49% |
| 85 - 120 months | As low as 8.79% |
| Term: Used 8 model years & older | APR* |
| Up to 66 months | As low as 8.29% |
Apply For NewApply For UsedLearn More
*APR=Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change at any time without notice. Your rate will be determined at the time of your application. Repayment Example: A loan of $50,000 at 6.29% APR for 60 months is a monthly payment of $973.40and total interest of $8,403.80.Late payment fees and processing fees may apply.
| Term | APR* |
|---|---|
| Up to 60 months | As low as 11.49% |
Apply Now Learn More
*APR=Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change at any time without notice. Your rate will be determined at the time of your application. Repayment Example: A loan of $20,000 at 11.49% APR for 60 months is a monthly payment of $439.75and total interest of $6,385.10.Late payment fees and processing fees may apply.
FAQs
What auto loan rate can I get with a 690 credit score? ›
When it comes to car buying, the higher your credit score, the lower your interest rate. In the fourth quarter of 2022, buyers with a 690 credit score received an average interest rate of 5.82% for a new car and 7.83% for a used car, according to data from Experian's State of the Automotive Finance Market report.
What is the routing number for First Northern Credit Union? ›First Northern Credit Union's routing number is 271078719. Routing numbers are nine-digit codes that identify financial institutions in electronic transactions.
How much is a 30k car payment for 72 months? ›The total interest amount on a $30,000, 72-month loan at 5% is $4,787—a savings of more than $1,000 versus the same loan at 6%. So it pays to shop around to find the best rate possible.
Can I get a 40k car with 600 credit score? ›Documentation Requirements. Whether your credit score is 600 or 800, you will need to provide your lender with some documentation proving your ability to repay your loan. This includes: Proof of employment via a pay stub - you generally need to make at least $1,500 per month to qualify for an auto loan.
Does First Northern Bank use Zelle? ›Zelle is available within FNB's Online and Mobile Banking services.
Does First Northern Bank and Trust use Zelle? ›How do I get started? It's easy — Zelle is already available within The First National Bank and Trust Company of Newtown's mobile banking app and online banking within Bill Pay! Check our app or sign-in online and follow a few simple steps to enroll with Zelle today.
What bank has the routing number 121105156? ›The First Northern Bank routing number is 121105156.
How much is a $25,000 car payment a month? ›Example 2: A $25,000.00 secured personal loan financed for 60 months at an interest rate of 8.500% would yield an APR* (Annual Percentage Rate) of 8.496% and 59 monthly payments of $512.87 and 1 final payment of $513.24. *These examples are for illustrative purposes only.
How much is a $40,000 car payment for 72 months? ›If you take a car loan of $40000 at an interest rate of 4.12% for a loan term of 72 months, then using an auto loan calculator, you can find that your monthly payment should be $628. When the loan term changes to 60 months, the monthly payment on a $40000 car loan will be $738.83.
Is it smart to do a 72-month car loan? ›Is a 72-month car loan worth it? Because of the high interest rates and risk of going upside down, most experts agree that a 72-month loan isn't an ideal choice. Experts recommend that borrowers take out a shorter loan. And for an optimal interest rate, a loan term fewer than 60 months is a better way to go.
What credit score do I need for a $50 000 car loan? ›
In general, lenders look for borrowers in the prime range or better, so you will need a score of 661 or higher to qualify for most conventional car loans.
What credit score do I need to buy a $20000 car? ›There is no set minimum FICO® Score to get a car loan. However, a good score at 720 or better will get you the best rate. Consider spending some time improving your credit score before shopping for your next car. Even moving up a few points can make a big difference if you have a low score.
Can I get a Tesla with a 650 credit score? ›The company doesn't list a minimum credit score requirement for a Tesla auto loan or lease. However, borrowers with good or excellent credit have a higher chance of qualifying and getting a lower interest rate.
What can I qualify for with 690 credit score? ›Credit Rating: 690 is still considered a fair credit score. Borrowing Options: Most borrowing options are available, but the terms may not be very attractive. For example, you should be able to qualify for unsecured credit cards and personal loans, but the interest rate may be fairly high.
What APR does 680 credit score get on a car? ›| Credit score | Average APR, new car | Average APR, used car |
|---|---|---|
| Superprime: 781-850. | 5.18%. | 6.79%. |
| Prime: 661-780. | 6.40%. | 8.75%. |
| Nonprime: 601-660. | 8.86%. | 13.28%. |
| Subprime: 501-600. | 11.53%. | 18.55%. |
| Fico Score Range | 36 Mo. | 60 Mo. |
|---|---|---|
| FICO 760 and above | 4.75% | 4.99% |
| FICO 720 to 759 | 5.25% | 5.49% |
| FICO 680 to 719 | 6.25% | 6.49% |
| FICO 620 to 679 | 9.25% | 9.49% |
Absolutely. Your 695 credit score will qualify you for an auto loan, assuming your income justifies it. However, it's important to realize that your credit score can make a big difference in the interest rate you get.
How to go from 690 to 750 credit score? ›- Pay on Time, Every Time. ...
- Reduce Your Credit Card Balances. ...
- Avoid Taking Out New Debt Frequently. ...
- Be Mindful of the Types of Credit You Use. ...
- Dispute Inaccurate Credit Report Information. ...
- Don't Close Old Credit Cards.
- Make every payment on time. ...
- Keep your credit utilization low. ...
- Don't close old accounts. ...
- Pay off credit card balances. ...
- Ask your card issuer to increase your limit. ...
- Use the authorized user strategy. ...
- Put your bill payments to work. ...
- Use a rent reporting company.
| Type of Credit | Do You Qualify? |
|---|---|
| Secured Credit Card | YES |
| Unsecured Credit Card | YES |
| Home Loan | YES (FHA Loan) |
| Personal Loan | MAYBE |
How accurate is credit karma? ›
Here's the short answer: The credit scores and reports you see on Credit Karma come directly from TransUnion and Equifax, two of the three major consumer credit bureaus. The credit scores and reports you see on Credit Karma should accurately reflect your credit information as reported by those bureaus.
What credit score is needed to buy a car without a cosigner? ›In general, you'll need a credit score of at least 600 to qualify for a traditional auto loan, but the minimum credit score required to finance a car loan varies by lender. If your credit score falls into the subprime category, you may need to look for a bad credit car loan.
What kind of loan can I get with a 680 credit score? ›With a credit score of 680, you may be able to qualify for a personal loan, a car loan, and/or a home mortgage. Again, lenders look at more than your credit score to determine your eligibility for particular types of financing, however, having a credit score of 680 is not a bad start.
How much can you get approved for with a 670 credit score? ›You can borrow $50,000 - $100,000+ with a 670 credit score. The exact amount of money you will get depends on other factors besides your credit score, such as your income, your employment status, the type of loan you get, and even the lender.
What credit score is needed for a 50K loan? ›For a loan of 50K, lenders usually want the borrower to have a minimum credit score of 650 but will sometimes consider a credit score of 600 or a bit lower. For a loan of 50K or more, a poor credit score is anything below 600 and you might find it difficult to get an unsecured personal loan.
Can I get a new car with a 680 credit score? ›A credit score of at least 680 is considered good by all standards. Not only will you qualify for a car loan, but you may also get some pretty good rates of 6 to 8% at the same time. Remember that a good credit score is the result of a good debt-to-income ratio.