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Home > Loans & Credit > Affordable Auto Loans

Auto and Recreation Loans

Flex-Ride Loan

The Flex-Ride Loan is designed to reduce monthly car payments by combining the benefits of leasing with traditional financing. Like a lease, our Flex-Ride offers payments considerably lower than conventional financing. Yet, unlike leasing, you own the vehicle and enjoy the flexibility and benefits that come with vehicle ownership. Click here to learn how much you can save.  

Flex-Ride Program Overview. 

Auto Loans

Whether it's that brand new family van you urgently need, the pre-owned work truck you desperately want, or the sports car you've always dreamed about, a Northland auto loan can help you drive your next vehicle home. With same day pre-approval, affordable terms and a no-fee application process, it's easier than ever to apply. We also offer optional credit life and credit disability coverage to help you and your family should there be an emergency. Talk to us about your auto loan options today.

Second Chance Car Loans

It's tough getting back on your feet, and nearly impossible without reliable transportation. Northland understands. If you've been turned down for traditional auto financing, ask about our Second Chance Auto Loans and other Financial Recovery options. Talk to us - we're here to help. 989-739-1401 

Recreational Vehicle Loans

Work hard, play hard! A Recreational Vehicle loan from Northland can help you bring home that ATV, snowmobile, RV or other fun 'toy' to help you get away from it all. (We even finance Tractors!) Whether play time takes you to the lake, the campsite or down the highway, our recreation loans help make it affordable.



Vehicle Loan Rates
Effective Date: Sunday, February 28th, 2021
TypeRate As Low As - FixedRate As Low As - Variable
2018-2020 Vehicles 2.49% APR* 3.50% APR*
2016-2017 Vehicles 2.99% APR* 4.50% APR*
2015 and Older Vehicles 4.75% APR* 4.50% APR*
New Motor Homes/Travel Trailers/Boats 4.75% APR* 4.00% APR*
Used Motor Homes/Travel Trailers/Boats 6.00% APR* 4.50% APR*
New Jet Skis, Motorcycles, Snowmobiles & ATV's 4.75% APR* 4.00% APR*
Used Jet Skis, Motorcycles, Snowmobiles & ATV's 6.00% APR* 4.50% APR*
Flex-Ride 2015 and newer 4.29% APR*  
*APR = Annual Percentage Rate
Loan Rates are subject to change
"As Low As" rates are our best rates and are determined by credit score and number of services used