Auto Loans

Life comes with expensive needs, but it shouldn’t come with expensive interest rates

So Borrow Smart, because Northern Hills Federal wants you to thrive and to Save Smart.  We work to save your budget with simple solutions such as low credit union rates, no prepayment penalties, and no hidden fees.

At Northern Hills Federal, you’re more than a number, you’re an owner and an individual.  We personalize the process, creating a custom loan to meet your needs, one member at a time.  Membership is not required to apply, so go ahead and start planning smart.  Save yourself and your budget.

We can Meet you needs and your wants

Vehicles and Recreation
Whether it’s your first car, your family car, or your fun car, we have a loan to meet your needs.  Loans for classic autos, motorcycles, and Big Boy toys for every season are available with great rates and terms.

Going shopping?Shop Smart.  Get pre-approved before you go so you know your strategy before you shop.  There’s no cost to apply.  We offer fast turnaround.  Most loans are completed the same day.  Many area dealers offer Northern Hills Federal financing on the spot.  Ask for it!  Already have a loan somewhere else?  We can probably save you money by moving  your loan here.  There’s no cost to find out.

Don’t see you loan needs listed here?  Just ask us.  Chances are we can help you out.  For more information, call us or visit us online.

Northern Hills Federal Credit Union will help you borrow smart, as well as prepare for your experience buying your vehicle. Find out what your trade-in or prospective vehicle is worth in advance by using for blue book values.

Dealer Direct Financing

Borrow smart and get low rates at your favorite dealer with Northern Hills Federal.  Check our list of participating dealers below, and call 605-347-4527 to learn more about the program.

Participating Dealers

Choose from any of the participating dealers below who work directly with your local Northern Hills Federal Credit Union, making the borrowing experience more personable and convenient for you.
Dealer NamesAddressCityStateZIPPhone
Auto Advantage1415 East Hwy 44Rapid CitySD57703605-791-4199
Auto Choice321 S Heritage DriveSpearfishSD57783605-642-2886
BH Power Sports3005 Beale StreetRapid CitySD57703605-342-5500
Courtesy Subaru410 N Campbell Street
PO Box 1206
Rapid CitySD57709605-342-7034
E.T. Sports1905 5th AveBelle FourcheSD57717605-892-2945
Four Seasons Sport & Marine1600 E St Patrick StRapid City SD57709605-342-1110
Goodrich Motors630 E Jackson BlvdSpearfishSD57783605-717-5300
Granite Buick, GMC, Inc.414 East OmahaRapid CitySD57701605-348-4500
Granite Nissan, Hyundai404 Campbell StRapid CitySD57701605-342-3400
Hersruds of Belle FourcheHwy 212 West

Belle FourcheSD57717605-892-2766
Hersruds of Sturgis2651 Whitewood Service Rd
I-90 Auto & RVPO Box 2400Rapid CitySD57701605-341-4141
Indian Motorcycle2106 Lazelle StSturgisSD57785605-206-7830
Juneks Service Inc.644 W JacksonSpearfishSD57783605-642-2651
Mc Kie Ford Inc21 E Omaha
PO Box 740
Rapid CitySD57709605-348-0008
Mid-States Campers10400 Recreational DriveBlack HawkSD57718605-787-7453
Northern Hills Auto3125 E Colorado BlvdSpearfishSD57783605-722-0537
Northern Hills Homes & RV's12173 Highway 34, I-90 Exit 23WhitewoodSD57793605-269-2225
Outdoor Motor Sports3245 E Colorado BlvdSpearfishSD57783605-642-7731 
Power Brokers of the Black Hills1330 Jess StRapid CitySD57703605-721-7355
Prestige Auto Sales1920 North AvenueSpearfishSD57783605-642-1900
Rapid Chevrolet2090 Deadwood Ave
PO Box 1765
Rapid CitySD57702605-343-1282
Rapid Motors1441 Deadwood Ave N.Rapid CitySD57702605-716-5292
Recreation Station2935 E Colorado BlvdSpearfishSD57783605-717-4386
Rice, Honda, Suzuki301 Cambell StreetRapid CitySD57701605-342-2242
Rushmore Honda123 Omaha StRapid CitySD57701605-348-4468
Scott Peterson Motors30 5th AvenueBelle FourcheSD57717605-892-2643
Scott Peterson Motors2416 Junction AvenueSturgisSD57785605-347-3662
Signature Auto Sales2736 1st AveSpearfishSD57783605-559-3030
Signature Auto Sales 22221 Lazelle StSturgisSD57785605-559-3030
Spearfish Motors1910 N Main StreetSpearfishSD57783605-642-7000
Sturgis Motor Company1721 Lazelle StSturgisSD57785605-347-2277
Sturgis Motor Sports2695 Lazelle StSturgisSD57785605-347-2636
Summerset Motors8008 Stagestop RoadSummersetSD57718605-791-3301
Superior Auto Sales642 Colorado BlvdSpearfishSD57783605-642-9111
Toyota of the Black Hills1920 E Mall DriveRapid CitySD57701605-342-2490
White's Canyon Motors2751 E Colorado Bldv
White's Queen City Motors1900 North Ave

Borrow from Northern Hills Federal and save on your auto loan with lower rates and no prepayment penalties!

Your APR (Annual Percentage Rate) will be based upon your individual credit, loan amount, term of loan and applicable prepaid items. At Northern Hills Federal, we’ll listen to your needs and provide the best solution available to meet those needs.

Apply Online today or call 605-347-4527 to learn how you can borrow smart with Northern Hills.

CU Autos for Sale

Make the car buying process that much easier and check out our vehicle postings.  Call 605-347-4527 to inquire about your next new ride!