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Finance Your Next Ride

From application to ignition, we’ve got you covered.

The Right Auto Loan Starts Here

New, used, or ready to refinance? Whatever you’re driving—or planning to—Frontwave Credit Union makes it simple to move forward with confidence. Enjoy low rates, flexible terms, and a smooth, stress-free process that gets you behind the wheel faster.

Your Car, Your Terms—Let’s Make It Happen

Lock in your rate and hit the road: Apply online, call 800.736.4500, or make an appointment to visit a branch near you!

Why Choose Frontwave?

  • Low Rates & Flexible Terms

    Get a payment that fits your budget.

  • Fast Pre-Approval

    Know your buying power before you shop.

  • No Hidden Fees

    Transparent financing with no surprises.

  • Protect Your Ride

    Add GAP coverage, extended warranties and more.

New Auto Loans (2023 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 (2017 to 2022)

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

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

Membership and credit qualifications apply. A valid driver's license and current insurance information are required at time of financing. Standard passenger vehicles only, no commercial vehicles or vehicles for hire will be considered. No Lemon Law buybacks or grey/salvage titles. Vehicles for commercial use or used to transport passengers for compensation, including but not limited to vehicles used as taxicabs or for ride-sharing, 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 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.

3 Frontwave does not endorse or encourage the product or service and urges you to do your own diligence.