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Refinance Your Auto Loan

You could lower your payment or reduce your rate.

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Put money back in your pocket by refinancing with us.

Choose a flexible term for a budget-friendly payment.¹

Get financing for up to 130% of the car's value.²

Make no payments for the first 90 days.³

Skip up to three payments over the life of your loan.⁴

Your rate automatically drops by 0.50% every year you make on-time payments.

Add extra protection options like GAP Plus, Mechanical Repair Coverage and Payment Shield Plus.

Rates starting as low as

5.69 % APR

for new vehicles.^†

Rates starting as low as

5.79 % APR

for used vehicles.^†

AUTO LOAN RATES & TERMS

STEVE G. MEMBER SINCE 2006

Reasons to Refinance

Refinancing your auto loan may be a good idea if you want to lower your interest rate, extend your repayment timeline to free up money in your budget, remove a cosigner or get better loan terms. We make the process easy and hassle free.

Explore Our Auto Loan Options

FastTrack: Easy SchoolsFirst FCU financing and a network of more than 600 dealerships.
Enterprise Car Sales: Quality used cars inspected by certified technicians.
Autoland: A personal consultant will do the shopping for you.
TrueCar: Get upfront pricing and see what other buyers have paid.

Auto loans with rates as low as 5.69% APR for new vehicles,^† 5.79% APR for used vehicles.^†
Finance a leased or private seller car.
Refinance an existing auto loan.
Pause your monthly payments if you become disabled or unemployed with Payment Shield Plus.

Auto Insurance: We do the work for you to find the right coverage at the best price.
GAP Plus: Additional protection to cover your car's value if your car is damaged beyond repair.
Mechanical Repair Coverage: Provides covered repairs for new and used eligible vehicles after your warranty expires.
MexiPass: Special coverage if you drive your car to Mexico.

AUTO LOAN RATES & TERMS

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Disclosures

APR = Annual Percentage Rate. SchoolsFirst FCU has a loan program featuring a range of interest rates for some of its consumer loans. A rate is based on a variety of factors, including the applicant's credit rating. Rates quoted are effective as of 11/20/2024 and are subject to change without notice. All loans subject to approval. Terms and conditions are subject to change and may vary based on collateral conditions, qualification and creditworthiness.

Maximum term based on various factors, including the amount financed.
Financing not to exceed 130% of the Manufacturer's Suggested Retail Price on new vehicles (Kelley Blue Book Suggested Retail Value on used vehicles) based on creditworthiness; and may include tax, license, documentation fees, GAP and Extended Warranty/MRC.
Does not apply to the refinance of existing SchoolsFirst FCU auto loans or cash-out refinance loans and is nontransferable. The “90 day no payment” period cannot be combined with other payment skip programs to extend the first payment due date longer than 90 days from funding. Interest begins to accrue immediately and the 90 days of interest will be collected through the first payment. As a result, you may pay higher total finance charges on the loan than if payments began earlier.
Subject to approval. Interest will continue to accrue during the skip payment period. Must have made the last 12 consecutive loan payments on time or, if "No Payment for 90 Days" was added, must have made nine consecutive loan payments on time. All loan and share accounts must be in good standing. Valid on select auto loans. Program subject to change or cancellation. Limited to one skip per 12 months.

APR = Annual Percentage Rate. All loans subject to approval. Lowest rates reflect a 0.75% discount for payment by automatic transfer from your SchoolsFirst FCU Share Savings or Share Draft Checking account.