Quick Links:
Stacks Image 108
Stacks Image 109
Welcome to Northern Indiana F.C.U.’s online Loan Department!

Here you will find the types of loans we offer, rates, online applications, and helpful links. We pride ourselves with offering our members low interest loans since 1935! If you have a general loan question feel free to click on the “Contact Loan Department” button and a friendly loan officer will be happy to answer your question.

Contact Loan Department
Request you free annual credit report
It’s quick, easy and secure!
Stacks Image 110
We offer mortgages through our partner C.U. Mortgage Service. Visit their site today for current rates or give them a call at 800-285-0670. Contact a C.U. Mortgage Loan Officer
Stacks Image 111
Stacks Image 112
NADAguides.com is the most comprehensive vehicle information website on the Internet today. 
Stacks Image 113

Loan Specials

Take advantage of dealer incentives and our low rates! Apply for a N.I.F.C.U. auto loan today.

Loan Rates
Financing Relationship Banking Discounts Available:

A .25% discount for each can be combined for a Maximum discount .50%

  • Payroll deduction
  • Credit Score of 700
  • Enrollment in Home Banking or Sybil Telephone Teller
  • Opt in for only electronic statements
  • Opt in for email reminders for missed loan payments or NSF notices
Stacks Image 114
APR Financing on New Cars or Trucks.
We offer 100% financing on New Vehicles for up to 72 months. Current year model, and 1-year-old cars that have not been titled would be considered new, or re-finance Credit Union will lead to big savings. Credit History, Length of loan, determines Annual Percentage Rate.
Stacks Image 115
APR Financing on Used Cars or Trucks.
We offer Up to 100% financing on Used Vehicles for those that qualify, call for details. Vehicle model years 1-year-old and older call for specific details. Rates are for Vehicle purchase or refinance from dealer or another Institution. Borrow funds for up to 72 months for select years. Ask about pre-approval and shop dealers with confidence. Qualify for dealer discounts and then bring your loan to Northern Indiana Federal Credit Union will lead to big saving. The model year of vehicle, term of the loan, Credit History determines rate.
Stacks Image 116
APR Financing for Boats, Jet Ski’s, Motor Homes, Campers.
We offer Up to 100% financing for those that qualify, call for details. Borrow Funds Up To 84 months for select years. The Loan Terms, Credit History, Age of Watercraft, Vehicle, or Camper determines APR. Annual percentage Rate (APR) is subject to change without notice. Ask about Pre-approval and shop with confidence knowing what you can afford and how much you can qualify to finance.
Stacks Image 117
APR Financing for Motorcycles, 4-Wheelers, Golf Carts, & Other Small RV Type Titled Toys.
We offer Up to 100% financing for those that qualify, call for details. Borrow Funds Up To 60 Months for select years. The Loan Terms, Credit History, Age of Vehicles determines APR. Annual percentage Rate (APR) is subject to change without notice. Ask about Pre-approval and shop with confidence knowing what you can afford and how much you can qualify to finance.
Stacks Image 194
APR Financing on Classic Cars.
We offer Up to 100% financing on Classic Cars or Trucks for those that qualify, call for details. Borrow funds for up to 48 months.
Certificate Secured Loans Offered at 1.5% Over Certificate APR.
  
Pledge your Certificate of deposit held be Northern Indiana Federal Credit Union as collateral for a loan and borrow funds for the term of the certificate at 1.5% over current yield on the Certificate of deposit. Bridge a gap in your funding needs without paying penalties of early withdraw on the certificate, by pledging certificate as loan collateral and borrow needed funds at a low APR. Relationship discounts do not apply.

Shared Secured Loans offered at 2.5% Over Current APR on Share account.

Pledge your Funds that are on deposit in a Share account and Borrow 100% for a term up to 60 months at a rate of 2.5% percent over current rate on share account. Pledged Funds stay in the share account as loan collateral for a low APR on loan. The Monies on deposit continue to earn dividends when applicable, see truth in savings disclosure. This Loan is a good Credit Building Loan, with regular on time payments credit score could increase. Help establish credit score for those just starting out. Relationship discounts do not apply.

Double Dollar Shared Secured Loan Offered at 5.50% Over Current APR on Share account.

Pledge your Funds that are on deposit in a Share account and Borrow 200% of pledge funds for a term up to 60 months at a rate of 5.50% over current rate on share account. Pledged funds stay in the account as loan collateral for a low APR on Loan. The Monies on deposit continue to earn dividends when applicable, see truth in savings disclosure. This is a good Credit Building Loan, with regular on time payments credit score could increase. Help establish credit score for those just starting out. Relationship discounts do not apply.
Stacks Image 984
APR Financing on Open End Loan.
Borrow up to $5,000 unsecured money on a revolving basis. Credit history and other outstanding loans may determine the amount allowed to borrow, call for details. Repayment Schedule is $20.00 per month per $500.00 of indebtedness or fraction thereof. Limit One Draw per month, with minimum draw of $250.00 per advance. Nice Loan to help supplement High Dollar Bills such as Do it Yourself Project around home or in yard. Borrow and pay down balance without the hassle of application process again and again.  Relationship discounts do not apply.
Stacks Image 985
APR Financing on Unsecured Signature Loan.
Borrow up to $9,999 unsecured money on a one-time basis. Credit history and other outstanding loans may determine the amount allowed to borrow, call for details. Relationship discounts do not apply.
Stacks Image 986
APR Financing on Stock Secured Loan.
Pledge your stocks and Borrow up to 50% of current fair market value of stocks for a term up to 60 months. Relationship discounts do not apply.
Stacks Image 987
APR Financing on Over Draft Line Of Credit Loan.
Get the added protection from embarrassing Non sufficient Funds Returns on Checks and Automatic Clearing House (ACH) Transactions. When An Item comes in and money is not available in Checking or Savings have the funds transferred from Loan for a Fee and the item is paid and not returned. Borrow up to $1,500. Repayment schedule is $50.00 Per month per $500 of indebtedness outstanding of fraction thereof. Credit history and other outstanding unsecured debt may determine the rate and terms of the loan call for details. Save yourself the time, money and embarrassment of a return item. Minimum credit score to qualify is 625. Call for details. Relationship discounts do not apply.
Stacks Image 988
APR Financing on Single Payment Loan.
Bridge the gap on funding with a project with 90-day single payment unsecured loan. Fix rate loan, maximum term is 90 days, unsecured limits apply, call for details. Relationship discounts do not apply.
* APR Listed is credit Unions best rate and includes the .50% discount for relationship banking. APR is annual Percentage Rate, actual rate and terms are based on credit history, Length and type of loan. Rates are subject to change without notice.
Please check with the credit union for current information. Rates posted on page may not be the most current rates. Rates here are for informational purposes and may not be accurate.
Stacks Image 989