LIMITED-TIME PROMOTION

Keep More of
What You Earn

Lower your rate, reduce interest, and keep more in your pocket with smarter ways to borrow.

Keep More. Pay Less.

Take a step toward more financial freedom with limited-time loan offers designed to help lower your rate, reduce the interest you pay and keep more money in your budget. Whether you’re consolidating high-interest balances or financing a vehicle, these offers are built to keep more in your pocket.

Transfer your balance and save

Lock in a 2.50% APR through January 2028.1

Every dollar you pay in interest is money you don’t get back. Keep more money in your pocket by transferring your higher-interest credit card balances and locking in a 2.50% APR through January 19, 2028.

2.50% APR balance transfer rate
On transfers made June 1 through August 19, 2026.

3% balance transfer fee 
A one-time fee applies to each balance transfer.

Promotional rate ends January 19, 2028 
Standard APR applies to any remaining balance.

Auto loan cash bonus

Get $250 when you Finance or Refinance your auto loan2

Your auto loan shouldn’t cost more than it has to. Here’s how to fix that. Finance or refinance your auto loan and get $250 when you close on a qualifying loan.

$250 bonus when you finance 
After making your first three on-time payments.

$50,000 minimum loan amount 
Applies to new or refinanced auto loans.

Apply by August 31
You have until September 30 to fund your loan.

Opportunity Doesn't Wait

The people who built this country didn’t wait around for perfect timing. They worked with what they had and pushed forward. That spirit still matters today. That’s why Frontwave is celebrating summer with limited-time offers designed to help your money go further, whether you’re saving, borrowing, or planning ahead.

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Disclaimers

1 Credit Card Balance Transfer Terms and Conditions: APR = Annual Percentage Rate. Your Frontwave credit card must be in good standing to qualify. The 2.50% APR applies to balance transfers made between June 1 and August 19, 2026. The promotional 2.50% APR expires on January 19, 2028. After that, the standard APR will apply to any remaining balance. A 3% balance transfer fee applies. Promotional APR is not available for Frontwave Signature Rewards cardholders. Transfers cannot be used to pay off Frontwave credit cards or loans. Post-secondary education costs are not eligible. Cash advances are excluded from this offer. Payment and Processing: Payments to creditors are made in the order listed, up to your available credit limit. Credit card payments are applied to balances with the highest APR first. Continue paying creditors until your transfer is posted. Frontwave is not responsible for missed payments, interest or fees with other creditors. For full details, refer to the Visa Credit Card Agreement. Fees and other restrictions may apply. Offer subject to change without notice.

2 Auto Loan Terms and Conditions: 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.