Or you can call us at (888) 261-8328.
Refinancing your auto loan can have many benefits, here are some of the top reasons many look to refinance:
- Cash bonus of $100 at closing1
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No Payments for 90-days2
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Competitive rates
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Term extension options
Autos 2025 and Newer
Rates as Low As
Autos 2024 - 2021
Rates as Low As
5.24% APR*
60 MonthsMinimum loan amount required. Other conditions may apply.
5.24% APR*
60 MonthsMinimum loan amount required. Other conditions may apply.
Autos 2024 and Newer
Rates as Low As
5.24% APR*
60 MonthsMinimum loan amount required. Other conditions may apply.
Autos 2023 - 2020
Rates as Low As
5.24% APR*
60 MonthsMinimum loan amount required. Other conditions may apply.
By filling out this form, you agree to our 
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Ready to Break Free from High Monthly Car Payments?
Get Answers to Common Auto Refinancing Questions
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How Long Does It Take to Get An Approval On A Car Loan Application?
In most cases you will receive an answer within 24-48 hours. It may take longer depending on your credit profile.
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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:
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Make, model and year of vehicle
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Name of lender
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Current loan rate and balance
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Current monthly payment and account number
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Mileage
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VIN number
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When Should I Refinance My Auto Loan?
There isn't one-size-fits-all answer for every borrower. It's important to evaluate your unique financial situation and determine whether refinancing your auto loan aligns with your goals and the benefits you hope to achieve. For additional help, call us at (888) 261-8328.
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Are There Mileage Limits For Used Vehicles When Applying For An Auto Loan With Tropical Financial?
Yes. To help ensure a smooth approval process, used vehicles must meet our mileage guidelines. Gas and electric vehicles should have 75,000 miles or less, while diesel vehicles should have 100,000 miles or less.
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Disclosures
* APR = Annual Percentage Rate. Members who open a new Certificate of Deposit (CD) with new money for a term of 12 months or longer may qualify for an additional auto loan rate discount. New CDs opened with a balance of $1,000–$2,499 qualify for a 0.10% auto loan rate discount. New CDs opened with a balance of $2,500 or more qualify for a 0.25% auto loan rate discount. The CD must be opened and funded between the loan application date and funding date. TFCU rollover CDs do not qualify for this promotion. This offer cannot be combined with any other offer. Eligibility for the lowest advertised rate is based on creditworthiness, vehicle year, ability to repay, credit score, down payment, loan term, and loan-to-value (LTV). Other rates and terms may apply, and your rate may vary based on the loan program, repayment term, and other factors. Tropical Financial Credit Union (TFCU) will deposit the $1 minimum required to open your membership account. Members must reside in a state within TFCU’s lending area. Other conditions may apply. Rates and offers are subject to change without notice.
1 $100 cash bonus is for loans of at least $10,000. Cash bonus will be deposited to the members savings account at loan closing. Loans to purchase a vehicle do not qualify for cash bonus.
2 90-day payment deferral subject to credit qualification. Must be a member in good standing for at least 12 months with an active TFCU checking. 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. TFCU membership eligibility required with $1 minimum in savings. Member must reside in a state within TFCU lending area.