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 Days1

    Ride now, pay later when you qualify

  • 0.25% Rate Discount2

    With autopay from your checking account

New Auto Loans
(2023 or Newer)

Drive off with something new without overthinking the payment.

More flexibility 
Term from 36–96 months.

Breathe easier upfront
No payments for up to 90 days.¹

Extra buying power
Financing up to 125%3 of value.

Used Auto Loans
(2017 to 2022)

Hit the sweet spot where value meets flexibility.

More flexibility 
Term from 36–96 months.

Breathe easier upfront
No payments for up to 90 days.¹

Extra buying power
Financing up to 120%3 of value.

Older Used Auto Loans
(2009 to 2016)

Have an older model in mind? We’ll help you lock it in.

Shorter term. Faster finish.
Shorter 36–48 month terms.

Breathe easier upfront
No payments for up to 90 days.¹

Up to 100% financed 
Based on vehicle value³

Refinance Your Auto Loan

Love your car. Not your loan? Bring it to Frontwave or let’s improve the one you have. Let's explore your options.

Take back control
Reset your rate, term or both.

Lower interest costs
Reduce what you pay over time.

Make room in your budget
Potentially lower your payment. 

AutoSMART

A smart choice for stress-free car buying. Find your next car, get pre-approved, then walk in ready to drive it home.

Shop nationwide inventory
Thousands of options. Less settling.

Know before you go
Lock in your plan before you arrive.

Walk in preapproved
No games. No guesswork. Just keys.

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.

Browse nationwide inventory
Find the one. Not just what’s nearby.

Done-for-you search
Say what you want. They’ll go get it.

Finance with Frontwave
Walk in with your plan already set. 

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 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.
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.

Rate includes a 0.25% discount for automatic loan payments from a Frontwave Checking Account. All loan rates and conditions may change without notice.

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