Check out our refinancing options and compare rates to find one that works for you.
Check out our calculators to estimate how much you'll save on your auto loan.
Ready to get beyond high monthly car payments? Apply for your auto refinancing today.
Refinancing your auto loan can have many benefits, here are some of the top reasons many look to refinance an auto loan with a credit union (varies by credit union):
Getting approved for a credit union auto loan refinancing puts you in the driver’s seat.
Need A Checklist to Get You Started?
Download the TFCU Auto Refi Checklist Below
Additional member-exclusive benefits: Receive a comprehensive CARFAX Vehicle History Report™ at a special discounted rate of $15 with your Tropical Financial auto loan preapproval. Alternatively, take advantage of our exclusive bundle offer, which includes three (3) CARFAX reports for just $39.99—a total value of $64.99. Being informed about a used car's history can help you steer clear of potentially costly issues in the future.
In most cases you will receive an answer within 24 hours. It may take longer depending on your credit profile.
No, an appraisal will not be required. TFCU will use the NADA Blue Book Value.
To apply for an Auto loan, we will need your personal information; including name, address, social security number and employment information.
If you already own the car you want to finance, we will need the specifics:
Make, model and year of vehicle
Name of lender
Current loan rate and balance
Current monthly payment and account number
It’s best to refinance an auto loan when you’ve made several consecutive on-time payments and have a better credit score than when you purchased the car. If you have made on-time payments, but have a lower score than when you purchased it’s recommended to wait until the score goes up and vice versa. For additional help, call us at (888) 261-8328.
For more tips and tricks be sure to check out our auto blog here.
*APR= Annual Percentage Rate. Auto refinance does not apply to car loans financed at TFCU or through SFAC. TFCU will deposit the $1 minimum requirement to open your account. Other restrictions may apply. Your rate may differ and is based on creditworthiness, year of
Any savings is an estimated reduction in your monthly payment and not necessarily a reduction in the finance charges assessed over the life of your loan. Your actual savings will depend on the terms on which you refinance.
*90-day payment deferral subject to credit qualification. Interest will continue to accrue during the 90-day deferral period on the full amount borrowed beginning on the loan issue date. The accumulation of interest, with no payments being made to reduce the principal, will be added to the total repayment amount. If you have purchased disability, and/or life insurance any charges will continue to accrue for any deferred month, and the final loan payment will include such charges. If you have purchased GAP insurance, please note that deferred payments may be excluded in the GAP coverage. Any deferred payments could be deducted from a GAP claim settlement, and you will be responsible for the remaining deficiency balance that may result. Other restrictions may apply. This offer may be removed at any time without notice. Offer cannot be combined with any other offer.