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LOWER YOUR MONTHLY CAR PAYMENT

Refinance your auto loan with rates as low as 2.65 % APR*

90 days deferment available on some loan programs* 

APPLY NOW TO REFINANCE YOUR CAR LOAN
Have a question? We'll call you.
Or you can call us at (888) 261-8328.

REFINANCE AN AUTO LOAN WITH A CREDIT UNION IN 1-2-3


COMPARE RATES

RUN THE NUMBERS

APPLY NOW

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. 

COMPARE RATES

RUN THE NUMBERS

I WANT TO REFI MY AUTO LOAN

LOWER YOUR AUTO LOAN APR BY REFINANCING

 

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): 

  • 90 days deferment
  • Competitive rates
  • Term extension options
  • Payment frequency options (monthly, weekly, bi-weekly, semi-monthly)
  • Mobile App for easy application submission
  • Low price auxiliary products
  • Closing at your leisure in the comfort of your home. 

Getting pre-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

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ARE YOU READY TO GET BEYOND A HIGH MONTHLY CAR PAYMENT?

APPLY NOW TO REFINANCE YOUR CAR LOAN

GET ANSWERS TO COMMON AUTO REFINANCING QUESTIONS

How long does it take to get an approval on a car loan application?

In most cases you will receive an answer within 24 hours.  It may take longer depending on  your credit profile. 

I want to refinance my car loan from another lender, do I need an appraisal on my car?

No, an appraisal will not be required.  TFCU will use the NADA Blue Book Value.

What is required to apply for a car loan?

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
Mileage      
VIN number

When should I refinance my auto loan?

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. 

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Have a question but don't want to wait on hold?
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For more tips and tricks be sure to check out our auto blog here.

Disclosures

*APR= Annual Percentage Rate.  Auto refinance does not apply to car loans financed at TFCU or through SFAC. TFCU membership required with $5.00 minimum in savings. Other restrictions may apply. Your rate may differ and is based on creditworthiness, year of vehicle, ability to repay, credit score, down payment and term of loan. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history. Other eligibility requirements may apply. This offer may be removed at any time without notice.  Auto Loan Refinance Example: $10,000 loan at 2.65% APR with 60 monthly payment of approximately $178.15.  Member must reside in a state within TFCU lending area. Rates are subject to change without notice. Current TFCU accounts must be in good-standing, not have any type of restrictions, and TFCU loans paid-to-date.

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.  TFCU membership eligibility required with $5 minimum in savings. Member must reside in a state within TFCU lending area.