Low rates & flexible terms.

Fast pre-approval.

Time to Hit The Road.

New car, used upgrade or a smarter refinance. Frontwave Auto Loans give you the edge with competitive rates, flexible terms and car buying tools like AutoSMART and Enterprise Car Sales that help you find the right vehicle without the runaround.

Why Choose Frontwave?

  • Finance Up To 125%

    Get the ride you want with nothing down

  • Flexible Terms

    Choose a payment that fits your budget

  • Fast Approvals

    No waiting, no hassle, just you and the open road

  • Competitive Rates

    Affordable monthly payments on all loans

  • Available for New and Used Models

    New, used or refinance. We got you.

  • No Payments For Up to 90 Days*

    Ride now, pay later when you qualify

  • 0.25% Rate Discount

    With auto pay from a Frontwave account

New Auto Loans (2023 or Newer)

That new car feeling starts here.

More buying power to get the car you want, with flexible terms to keep your payment in check.

More Flexibility
Choose a term from 36–96 months that fits your budget.

Breathe Easier Upfront
No payments for up to 90 days.¹

Extra Buying Power
Financing up to 125%² when you need more room.

Used Auto Loans (2017 to 2022)

More car. Less compromise.

Get more value out of every dollar, with flexible terms that keep your payment in check.

Find Your Fit
Choose a term from 36–84 months that works for your budget.

Breathe Easier Upfront
No payments for up to 90 days.¹

Stretch Your Buying Power
Financing up to 120%² when you need more room.

Older Used Auto Loans (2009 to 2016)

Skip the extras. Keep the savings.

Lower loan amounts and straightforward terms keep borrowing simple and manageable.

Stay in Control
Shorter 36–48 month terms to pay it down faster.

Breathe Easier Upfront
No payments for up to 90 days.¹

Keep Costs in Check
Financing up to 100%² to manage upfront expense.

Refinance Auto Loans

Love your car. Not your loan?

You may be able to lower your rate or monthly payment and keep more money in your pocket.

Reset Your Loan
Adjust your term to better fit your budget.

Lower Your Rate
You may qualify for a lower rate and pay less in interest over time.

Lower Your Payment
Adjust your loan to potentially reduce your monthly payment.

AutoSMART

Shop online. Show up ready.

Your smart choice for stress-free car buying. Find your next car, get pre-approved and walk into the dealership ready to drive away.

Search Nationwide Inventory
Shop thousands of vehicles from dealers across the country

Narrow It Down First
Find the right car before you ever step on the lot

Walk In Preapproved
Secure your financing with Frontwave and save time at the dealership

Enterprise Car Sales

Tell them what you want. They’ll find it.

the search and let Enterprise find the right one for you, with Frontwave financing ready when you are.

Browse Nationwide Inventory
Access vehicles across the country, not just your local lot.

Done-for-You Search
Tell Enterprise what you want and let them track it down.

Finance with Frontwave
Lock in terms that fit your budget before you drive away.

Auto Loan Rate Match
Advantage

Shopping for a vehicle is enough work. You shouldn’t have to wonder if you could have financed it for less. Bring us the rate. If it qualifies under our competitive limits, we’ll match it.

Get the Car You Want Without the Drama.

Enjoy exclusive member deals with our trusted auto-buying partners3:

  • AutoSMART
    Your smart choice for stress-free car buying. Find your next car, get pre-approved and walk into the dealership ready to drive away.
  • Enterprise Car Sales
    Shop thousands of vehicles yourself, or tell us what you want and let Enterprise do the searching.
BLOGS

Smart Reads For Savvy Banking.

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.