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4Front Credit Union

Scheduled maintenance Sunday, April 16 from 7:00 am - noon ET

Our virtual banking platform will undergo necessary maintenance Sunday, April 16 from 7:00 am - noon ET. During this maintenance period, Online, Mobile, and Telephone Banking will be unavailable.

We apologize for inconvenience incurred during this downtime as we work to implement this important update as rapidly as possible.

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Vehicle Loans

Most financial instutions make lending decisions based upon the the vehicle -- its year, make, model, condition. At 4Front Credit Union, we believe that loans are made to people, not vehicles. If our members believe a particular car, truck, RV, or snowmobile is the right fit for them, who are we to suggest otherwise? 

Connected Lending  Putting you in the driver's seat

Our connected lending online loan application makes purchasing your vehicle or outdoor toy easy and fast! So what are you waiting for? Begin the short trip to a 4Front-financed auto, boat or RV now and spend your spare time in the driver's seat, not in a lobby chair!

Apply Now

Cars and Trucks  Vehicles you want to drive, rates and terms you want to celebrate

Learn why 4Front finances more used vehicles than any lender in northern Michigan. Check out the rates that allow more of your friends and neighbors to drive the car or truck they want with the terms they can afford.

  • Low rates and flexible terms up to 78 months
  • Pre-approvals before you shop, offering you maximum buying power
  • No early pay-off penalty
  • Refinancing available
  • Protection plans available to cover you in case of loss, accidents, or breakdowns

Recreational Vehicles  Northern Michigan... the way it's meant to be enjoyed

Northern Michigan is one of our country's premier recreation destinations, so why not take full advantage of our very own outdoor paradise? A 4Front-financed boat, RV, ATV, snowmobile or personal watercraft can give you an entirely new perspective on the true beauty that surrounds us. And you'll be enjoying our area with money in your pocket since our budget-friendly secured loan rates won't cramp your recreation style.

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Enjoy the speed and convenience of connected lending with Online Lending Solutions!


Secured Loan Rates

Secured Loans
Effective Date: Thursday, April 27th, 2017
Cars (New or Used), Campers, Jet Skis, Snowmobiles, Motor Homes, and Motorcycles
TermAPR as low as*
12 to 66 months 2.940%
67 to 78 months 3.240%
*Rates determined by member's credit worthiness and down payment
Red Hot Best

  Best Financial Institution

 Best Credit Union 2015, 2016
 Best Bank 2015, 2016
 Best Mortgage Company 2015, 2016