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 closing+
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No Payments for 90-days**
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Competitive rates
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Term extension options
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Reduced member pricing on loan protection products
Autos 2024 and Newer
Rates as Low As
Autos 2023 - 2020
Rates as Low As
5.44% APR*
60 MonthsMinimum loan amount required. Other conditions may apply.
5.54% APR*
60 MonthsMinimum loan amount required. Other conditions may apply.
Autos 2024 and Newer
Rates as Low As
5.44% APR*
60 MonthsMinimum loan amount required. Other conditions may apply.
Autos 2023 - 2020
Rates as Low As
5.54% APR*
60 MonthsMinimum loan amount required. Other conditions may apply.
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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 hours. It may take longer depending on your credit profile.
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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.
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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?
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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Disclosures
*APR= Annual Percentage Rate. Auto refinance does not apply to car loans financed at TFCU. Rate includes a .25% rate discount for members with a TFCU checking account AND loan payment set up to Auto Pay from their TFCU checking account. Eligibility for the lowest advertised rate is based on creditworthiness, year of vehicle, ability to repay, credit score, down payment, terms and loan to value. Other rates and terms may apply and your rate may differ based on the loan program, term of repayment and other factors. TFCU will deposit the $1 minimum requirement to open your account. Member must reside in a state within TFCU lending area. Other conditions may apply. Rates and Offers 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.
**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 account and direct deposit of at least $500 per month. 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.
+$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.