Low rates & flexible terms.

Fast pre-approval.

New, Used, or Refinance - We’ve Got the Right Auto Loan for You.

Need a new ride? Whether you're buying new, upgrading to a used car, or refinancing for a better deal, Frontwave Credit Union makes it easy. Low rates, flexible terms, and auto-buying services help you get behind the wheel without the hassle.

  • Pay $0 for 90 days1
  • Finance up to 125%2
  • Flexible terms
  • Prequalify with no credit check
  • No hidden fees

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

Older Used Auto Loans (2009 to 2016)

A practical pick that still fits your life. Keep costs low and confidence high.

  • Stay on track with shorter 36-48 month terms
  • Get settled before you pay with no payments for up to 90 days1
  • Keep upfront costs in check with financing up to 100%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
  • Get immediate breathing room with $0 payments for up to 90 days1
  • 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 partners3:

  • AutoSmart
    Credit union–owned car buying with trusted dealers and better deals.
  • Enterprise Car Sales
    Quality used cars with upfront, no-haggle pricing (800.CAR.SALES).
  • Autoland
    Car-buying service with fair, no-haggle pricing on new and used vehicles (800.234.6999).
  • DOE & EPA 2025 Fuel Economy Guide
    Looking for a Fuel-Efficient Ride? Check out the latest fuel efficiency ratings. 

Real People. Real Support.

From everyday questions to life’s big moments, our team is here to help you feel confident every step of the way.

Apply today
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.