YOUR NEXT ADVENTURE STARTS HERE

Auto Loan Rates
as Low as 4.49%*

Get behind the wheel with competitive rates, flexible terms and financing for new, used and refinanced vehicles.

Say Yes to the Car
Not a bigger payment
Give Your Loan a Tune-Up
Refinance and save

Drive More. Pay Less.

The right monthly payment changes everything. The less you spend on your car, the more you have for everything else.

That's why Frontwave is different. We help you keep more of your money through better rates, fewer fees and lending decisions made by people who see more than just your credit score. It’s all part of being a member-owned credit union that puts people before profits.

We'll help you find a monthly payment that fits your budget. Flexible terms up to 96 months, financing up to 130% of your vehicle's value and no payments for up to 90 days give you more ways to finance your next car on your terms.

Because the goal isn't just getting approved. It's getting a loan you'll still feel good about long after you drive off the lot.


What makes a Frontwave loan different

Because the best auto loans don't just save you money. They leave you feeling confident you made the right choice.

Keep More of Your Money
Lower monthly payments mean more money for everything else. 

You're More Than a Credit Score 
Personal service from people who know you, not just your loan.

Don't Let the Dealership Decide
Get pre-qualified before you step on the lot.

Ready to see what's possible? Find out what you qualify for in just a few minutes. In most cases, checking your options won't impact your credit.

Why membership pays off

We're not working for shareholders. We're working for you. That's what being a member-owned credit union is all about. It's why we look for more ways to help our members save. Better rates are just the beginning.

Auto Pay Pays Off
Set up automatic payments and qualify for a 0.25% rate discount.

Elite Plus Pays More
Unlock premium checking benefits and qualify for an additional 0.25% rate discount.

Not a member yet? No problem. 
Joining Frontwave is fast, easy and built right into your loan application.

Three Ways to Get Behind the Wheel

Buying New? 

The only surprise should be how much you love the car.

For 2024 model year and newer vehicles.

  • More flexibility to fit your budget with terms from 36-96 months 
  • Breathe easier upfront with no payments for up to 90 days1 
  • Extra buying power when you need it with financing up to 130%2

Buying Used?

Drive something dependable without the new-car price.

For 2018 to 2023 model years.

  • Find a payment that fits with flexible 36-84 month terms
  • Ease into ownership with no payments for up to 90 days1
  • Stretch your buying power with financing up to 130%2

Already Have a Loan?

Love your car not your loan? Refinance and you could lower your rate or monthly payment.

  • Reshape your loan with flexible terms that fit your budget
  • Pay less over time by lowering your rate
  • Free up cash each month with a lower payment

Make a Great Rate Even Better

The rates below show our lowest available rates, including qualifying discounts for Auto Pay and Elite Plus Checking. Your rate will depend on your credit and other qualifying factors.

Effective Date: June 29, 2026
Terms
APR3 as low as
Financing Up To
Model Years 2024 or Newer
Up to 36 months 4.24% 130%
37 to 48 months 4.49% 130%
49 to 66 months 4.74% 130%
67 to 78 months 4.99% 130%
79 to 84 months2 5.74% 130%
85 to 96 months3 6.99% 130%
Model Years 2018-2023
Up to 36 months 4.49% 130%
37 to 48 months 4.74% 130%
49 to 66 months 4.99% 130%
67 to 78 months 5.24% 130%
79 to 84 months2 5.99% 130%
Model Years 2010-2017
Up to 36 months 4.49% 110%
37 to 48 months 7.49% 110%

Get the Car You Want Without the Drama.

Enjoy exclusive Member deals with our trusted auto-buying partners.

  • AutoSMART: 
    A smart choice for stress-free car buying. Find your next car, get pre-approved, then walk in ready to drive it home.
  • Enterprise Car Sales:
    Shop your way or skip the search. Browse thousands of vehicles or tell Enterprise what you want and let them find it.
Disclaimers

* APR = Annual Percentage Rate. Rate shown reflects a 48-month term and includes a 0.25% discount for automatic loan payments from a Frontwave Checking Account plus an additional 0.25% discount for Elite Plus Checking Members. Estimated monthly payment is $22.80 per $1,000 borrowed at 4.49% APR for 48 months. Membership and credit qualifications apply. A valid driver's license and current insurance information are required at the time of financing. Standard passenger vehicles only. Commercial vehicles, vehicles for hire, Lemon Law buybacks, and grey or salvage title vehicles are not eligible. Other restrictions may apply.

1 No 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.

2 Financing available up to 110% or 130% 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.

3 Rate includes a 0.25% discount for automatic loan payments from a Frontwave Checking Account and an additional 0.25% discount for Elite Plus Checking Members. All loan rates and conditions are subject to change without notice. APR shown is the lowest available rate and may be higher based on credit qualifications and other underwriting factors.

  • Estimated monthly payment of $29.63 per $1,000 borrowed at 4.24% APR for 36 months on 2024 or newer vehicles.
  • Estimated monthly payment of $29.74 per $1,000 borrowed at 4.49% APR for 36 months on 2018–2023 vehicles.
  • Estimated monthly payment of $29.74 per $1,000 borrowed at 4.49% APR for 36 months on 2010–2017 vehicles.