Refinance Your Car Loan
Get a loan that fits your life now.
See How Refinancing Could Help You
Refinancing your auto loan could help lower your monthly payment, give you flexibility or choose a loan term that better fits your needs. We'll help keep the process simple, so you can make the choice that's right for you.
Smart Reasons to Refinance
Lower your rateRefinancing with us may help reduce the overall cost of your loan. |
Pay less each monthAdjust your loan term to fit your budget and potentially lower your monthly payment. |
Make no payments for 90 daysKeep more cash on hand for the first few months after you refinance.1 |
Access your car's equityYou could turn your car's value into extra funds to use for other expenses.2 |
Be rewarded for on-time paymentsEarn a 0.50% rate reduction for making 12 timely payments.3 |
Add protection for the unexpectedAdd optional coverage to help protect your car or finances if something changes. |
Add Coverage Without Adding Another Payment
Designed for life's what-ifs
Choose affordable protection products you can include with your car loan to cover unexpected events.
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If your car is damaged beyond repair or stolen — GAP Plus covers the difference between what your insurance pays and remaining loan balance.
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If you need to manage unexpected repairs — Mechanical Repair Coverage offers coverage for some repairs beyond regular maintenance.
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If your income is interrupted — Payment Shield Plus cancels your loan payments if you become unemployed or disabled.
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- 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.
- By refinancing and taking cash out, you increase the amount financed. If your vehicle loses value faster than you pay down the loan, you may owe more than the vehicle is worth (negative equity), which can impact future insurance payouts or trade-in value.
- Not available on eligible loans approved at the lowest APR offered. Rate may be reduced by 0.50% APR increments after 12 consecutive on-time payments. Maximum rate reduction will not exceed lowest APR offered at the time of funding. Restrictions apply to the maximum number of rate reductions. Monthly payment will remain the same, with additional money applied as per the Loan and Security Agreement. This may shorten the term of the loan and total interest paid over the life of the loan.
- 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.