NIHFCU exists to serve nurses. It's what we do. That means you get low auto loan payments, rates as low as 1.99%APR*, No payments for 90 days‡, and you can even skip your payment once† every 12 months. If you work in healthcare, we're the clear choice for your auto loan.  
 
Why Everyone in Healthcare Needs to Know NIHFCU
 
It's simple really. We’re a financial institution that’s designed specifically for you. Plus, as a credit union, we are a non-profit. That means our profits are used to offer healthcare professionals, like you, great rates, lower fees, and an honest banking experience.  Need more convincing, skip to the bottom of the page and hear it directly from healthcare workers who use NIHFCU.
 
We give you strength right from the S.T.A.R.T 
We know your schedule leaves you exhausted, often with little time for anything else, especially haggling at the auto dealership. That's where we come in. Our Auto loan pre-approval program S.T.A.R.T.1 (Sign Today and Ride Today), helps you control the dealership experience. With START you can apply in advance, get pre-approved, and receive an express draft that you can take right to the dealership. START allows you to shop confidently because you know you’re approved and then drive home with your new wheels the same day.
Low rates + up to 84 months = Great Payments

 

The combination of our great rates and extended loan terms (up to 84 months), creates a monthly payment that won’t be a drain on your finances.* Every day, you focus on the wellness of others. Now you have a place that focuses on yours. At NIHFCU, we’re wellness for your wallet.
 

 

Check out What Other Healthcare Professionals are Saying About NIHFCU
 
Can I apply for an auto loan at NIHFCU?
 
Absolutely! Anyone who works in healthcare can apply for an auto loan at NIHFCU. And because we've been around for over 80 years, you can feel comfortable that we'll always be here every time you need a loan.  

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Questions Nurses Ask

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What's different about a Financial Institution that is focused on healthcare professionals?
 
Great question! First, it means we understand you and your unique needs. Second, it means we can craft products and services specifically for professionals like you. Some examples include our special-purpose VitaLoan, or our healthcare-focused student loan refinancing.
So what are you waiting for? 
You know you’ll need to finance your new wheels somewhere. Why not make it the one place that has your back and really understands your needs? 
Go on. It's another easy and great choice - just like becoming a nurse, of course. 

© 2021 NIH Federal Credit Union

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Nurses Pay Nothing for

with auto loan rates as low as 1.99%*

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Sooo, what's up with a credit union?
 
Not everyone understands the awesomeness that is a credit union. Imagine if your bank didn't care about turning a profit or making their shareholders richer, and instead offered you better rates and lower fees designed to keep more money in your pocket. That's a credit union! Sound too good to be true? It's not. It's all made possible by the Credit Union Act, which was passed by the US Government back in the 1930s. The government set up credit unions to help everyday people, and that's exactly what they do. We just happen to be the credit union for healthcare professionals like you.
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* Annual Percentage Rates (APRs) as of 6/1/2021 and subject to change without notice. The advertised APR available to applicants with excellent credit for a 36 month loan and includes a rate discount of 0.25% for automatic-debit loan payments from NIHFCU TotalCare checking account.  If automatic payment ceases before loan is paid in full, the interest rate will increase by 0.25%. Final rates and terms for approved applications depend on type of collateral, credit and payment history, payment method and other factors that may be lawfully considered. Restrictions may apply. The NIHFCU does not provide loans for private party purchased vehicles. Payment example: Loan amount of $15,000 at 1.99% APR for 36 months would have monthly payments of $428.00.  The NIHFCU does not provide loans for private party purchased vehicles.

‡ A 90-day deferral of the first payment is an option available on all vehicle loans. Deferring a payment will delay the payoff of your loan, and result in additional finance charges if you only make minimum payments. You need to make up the deferred payments. The 90-day deferral program is subject to change at any time; restrictions apply.

Skipping a payment will delay the payoff of your loan, and result in additional finance charges if you only make minimum payments. You need to make up the payment skipped. Auto loan skip-a-pay program is subject to change at any time; restrictions apply. Complete the Payment Vacation form to enroll.

1Credit restrictions apply; all loans are subject to credit approval and terms may vary. Your “Pre-Approved Express Draft” is void after 30 days and can only be used at a Franchised Dealership for the purchase of new or used automobiles or trucks only (RV’s, motorcycles, boats, and unsecured/personal loans are excluded). The “Pre-Approved Express Draft” is not valid for sales between private parties, lease buyouts, auctions or to purchase reconditioned or salvaged vehicles.

2Between 1/1/20 and 12/31/20, the average savings off MSRP experienced by consumers who connected with a TrueCar©  Certified Dealer through a TrueCar-powered auto buying program and who were identified as buying a new vehicle from that Certified Dealer was $3,552. Your actual savings may vary based on multiple factors, including the vehicle you select, region, dealer, and applicable vehicle specific manufacturer incentives, which are subject to change. The MSRP is determined by the manufacturer and may not reflect the price at which vehicles are generally sold in the dealer’s trade area, as many vehicles are sold below MSRP. Each dealer sets its own pricing. TrueCar® is not affiliated with NIHFCU.

Don't Forget to Read the important Stuff.

NCUA – Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

EHO – We do business in accordance with the Fair Housing Act and Equal Credit Opportunity Act.

or call us 1-855-852-4748

Find out what payment you qualify for.

Nurses Pay Nothing for

with auto loan rates as low as 1.99%*

© 2021 NIH Federal Credit Union

Nurses get auto loan rates as low as 1.99%APR*, No payments for 90 days, and can even skip a payment once every 12 months. If you work in healthcare, we're the clear choice for your auto loan.   
 
or 1-855-852-4748
Shop-at-home convenience, plus an additional .25%* reduction in your rate
 
Now nurses can combine an NIHFCU auto loan with an entirely online vehicle purchase experience. With NIHFCU’s Car Buying Service, powered by TrueCar, you can purchase a vehicle contact-free, and save an average of $3,552 off of MSRP2. Plus, for a limited time, you can receive a .25% reduction in your approved auto loan rate when you purchase your vehicle through our Car Buying Service.
 
LEARN MOREor call us 1-855-852-4748