LIMITED-TIME PROMOTION
Hit the Road with $250 Back
A little extra for your next road trip.
Red, White, and $250 Back to You.
Celebrate 250 years of freedom with a little extra horsepower in your pocket. Finance or refinance a qualifying auto loan of $50,000 or more and earn a $250 bonus* after your first three on-time payments. Lower your rate, lower your payment, or finally get into something that fits your life better. Apply by August 31, 2026, and fund by September 30, 2026, to qualify.
Why Choose Frontwave?
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Finance Up To 125%1
Get the ride you want with nothing down
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Flexible Terms
Choose a payment that fits your budget
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Fast Approvals
No waiting, no hassle, just you and the open road
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Competitive Rates
Affordable monthly payments on all loans
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Available for New and Used Models
New, used or refinance. We got you.
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No Payments For Up to 90 Days2
Ride now, pay later when you qualify
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0.25% Rate Discount3
With autopay from your checking account
Rates That Go the Distance
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Terms
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APR1 as low as
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Financing Up To
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|---|---|---|
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Model Years 2024 or Newer
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| Up to 36 months | 4.49% | 125% |
| 37 to 48 months | 5.24% | 125% |
| 49 to 66 months | 5.49% | 125% |
| 67 to 78 months | 5.74% | 125% |
| 79 to 84 months2 | 6.24% | 125% |
| 85 to 96 months3 | 7.49% | 125% |
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Model Years 2018-2023
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| Up to 36 months | 5.24% | 120% |
| 37 to 48 months | 5.74% | 120% |
| 49 to 66 months | 5.99% | 120% |
| 67 to 78 months | 6.74% | 120% |
| 79 to 84 months2 | 7.24% | 120% |
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Model Years 2010-2017
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| Up to 36 months | 7.24% | 100% |
| 37 to 48 months | 8.74% | 100% |
Disclaimers
1 APR = Annual Percentage Rate. Rate includes a 0.25% discount for automatic loan payments from a Frontwave Checking Account. All loan rates and conditions may change without notice. APR listed is our lowest APR and may be higher based on credit history.
2 On balances of $25,000 or more
3 On balances of $35,000 or more
Auto Loans/2024 or Newer Sample Payment: For a $1,000 auto loan for a term of 36 months with a 4.49% APR, the monthly payment would be $29.74.
Auto Loans/2018 - 2023 Sample Payment: For a $1,000 auto loan for a term of 36 months with a 5.24% APR, the monthly payment would be $30.12.
Auto Loans/2010 - 2017 Sample Payment: For a $1,000 auto loan for a term of 36 months with a 7.24% APR, the monthly payment would be $31.00.
Disclaimers
* Offer valid on approved new auto loans or refinances from another lender for standard passenger vehicles with a minimum financed amount of $50,000. Existing Frontwave auto loans are not eligible for refinance under this offer. Apply by August 31, 2026, and fund by September 30, 2026, to qualify.
Subject to credit approval, collateral requirements, vehicle age, mileage, condition, insurance verification, and underwriting criteria. A valid driver’s license and current insurance information are required at time of financing.
A $250 bonus will be deposited into a Frontwave checking or savings account after loan funding and completion of the first three on-time payments. Limit one bonus per person. Eligible borrowers must be age 18 or older. A 1099-INT will be issued for tax reporting purposes.
Eligible vehicles include standard passenger vehicles only. Commercial vehicles, vehicles for hire, ride-share vehicles, taxicabs, Lemon Law buybacks, grey market vehicles, and salvage title vehicles are not eligible.
Membership eligibility and other restrictions may apply. Rates, terms, conditions, and offer subject to change without notice.
1Financing available up to 100%, 120%, or 125% of the vehicle’s value based on approved valuation sources. The approved loan-to-value percentage varies by credit profile, vehicle year, mileage, loan term, and underwriting guidelines. Eligible fees and approved add-ons may be included. Not all applicants will qualify for the maximum financing.
2No payment for up to 90 days from loan funding. Interest accrues during the deferral period. Offer subject to credit approval and may not be available for all loans.
3 Rate includes a 0.25% discount for automatic loan payments from a Frontwave Checking Account. All loan rates and conditions may change without notice.