North Island branches and Contact Center will be closed Monday, October 12, in observance of Columbus Day.
Digital Banking, ATMs, and the Automated Telephone Attendant will continue to be available as usual.

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Auto Loans

Whether you’re in the market for a new or pre-owned car, truck, or RV, or want to refinance your existing one, North Island Credit Union has several loan options to get you on the road to savings!

Auto Loans

Take advantage of our competitive auto loan rates and flexible terms with rates as low as 1.49% APR1 ! Purchase a new or used vehicle, or refinance your existing loan from another lender to lower your payments.
  • Terms up to 75 months.2
  • No payments for up to 90 days.2
  • Search for your perfect vehicle with our auto buying partners.
  • Use our Auto loan calculators to help determie the type of vehicle, loan type, payment plans, and more.
A sample payment at 1.49%APR would be $28.44 per $1,000 borrowed based on a 36 month loan with 45 days to 1st payment.

Auto Insurance Requirements

If you have an Auto Loan with North Island Credit Union, you will be required to provide proof of insurance.  Comprehensive and Collision coverage with a maximum deductible of $1,000.00 must be maintained for the term of the loan.  Your policy should be in effect from the date of funding and have a full description of the vehicle shown and North Island Credit Union listed as lien holder.
Lien Holder Address
North Island Credit Union
Insurance Verification Center
PO Box 687
Lake Forest, CA 92609-0687
FAX: (800) 713-0258, Control #4005
Providing Proof of Insurance
North Island has partnered with Insurance Services (Allied Solutions) to track and verify insurance coverage. If you have received a letter from Insurance Services asking for verification of insurance, you may update your insurance information online.
You may also provide your proof insurance via telephone, fax, email, or regular mail using the contact information provided in your notification letter.


  • Apply for a Loan: Use this link if you’re ready to apply for an Island auto loan.
  • Insurance Products: Island also offers numerous products to help you protect your investment including Mechanical Breakdown Insurance (MBI), Debt Protection, Auto Insurance and Guaranteed Asset Protection (GAP) insurance.
  • North Island Auto Buying Center: We offer convenient and hassle-free ways to buy your next new or used vehicle. Our auto partners will do the work for you, and provide you excellent prices and service to ensure that our members receive the best deal possible.
  • Auto Loan Calculators
  • Find the Right Car For You
Apply Now | Find a branch | Call  (800) 848-5654, option 4
Terms & Conditions
1APR is Annual Percentage Rate.
2A sample payment at 1.49%APR would be $28.44 per $1,000 borrowed based on a 36 month loan with 45 days to 1st payment. Rates, terms and fees are subject to change. Promotional rate offer not available to refinance an existing North Island Credit Union auto loan. All loans are subject to credit approval. Your overall credit worthiness will determine the rate, term, and amount available to you. Fees and charges may apply. Interest will accrue from the date of purchase.