*First payment may be deferred up to 60 days and depends on when your loan closes. Interest continues to accrue during the deferred payment period. The actual Annual Percentage Rate (APR) is based on your credit history and other credit qualifications. All rates are subject to change at any time without notice. All credit is subject to approval. Current NWPCU auto loans may be refinanced with a minimum advance of $5,000. This promotional offer is valid from February 1, through March 31, 2023.