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Auto Loan Rates as Low as 4.49%*

Upgrade your ride with our low 4.49% APR 48-month auto loan rate, available with Auto Pay and Elite Plus Checking.

Drive More. Pay Less.

The sticker price isn't the only number that matters. A low rate gets you in the door. A great relationship keeps money in your pocket. Pair your auto loan with Auto Pay and Elite Plus Checking to unlock exclusive rate discounts that help you save from your first payment to your last.

Save With Auto Pay

Set up automatic payments from your Frontwave checking account to qualify for a 0.25% rate discount while keeping your payments on track.

Save more with Elite Plus Checking

More than a checking account. Enjoy premium perks, added protection and an additional 0.25% discount on qualifying auto loans.

New Auto Loans (2024 or Newer)

That new car feeling never gets old. Get more buying power and confidence from the start. 

  • 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 125%2

Used Auto Loans (2018 to 2023)

Smart buyers get more for their money. Drive something dependable without the new-car price.

  • 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 120%2

Refinance Auto Loans

Love your car not your loan? Lower your rate or payment and keep more of your money every month.

  • 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

Exclusive rates with Elite Plus Checking

Elite Plus Checking Members receive an additional 0.25% rate discount on qualifying Frontwave Auto Loans. Check today's rates below and see how your Elite Plus membership can help you save.

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 partners4:

  • 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

1 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.

2 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.

3 Financing 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.

4 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.