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  • Just a few reasons to refinance

    Sometimes, your car loan needs a fresh start. Refinancing can be an excellent way to save money. You may be able to save on rates, reduce your monthly payments, get a payment break while refinancing is being processed, and qualify for a better loan because of a change in your credit score or other financial circumstance. If you’re not satisfied with your current loan, then fill out a free application today to get a better deal at AFFCU.


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    *All loans subject to credit approval. Internal loans must have equity in the vehicle to qualify for refinance. Membership eligibility required.

    • No payment for 60 days on refinanced auto loans*
    • Get more flexibility in your term and payment options
    • Save time with an easy online application and quick decision-making process
    • Learn About Credit Insurance

    “AFFCU is awesome! They treat me like family whenever I walk into any branch. They care about your financial situation and take the time to help you improve your credit. They will tell you what you need and put their money where their mouth is. They helped me get a loan to start my recovery process to a better credit score. Now they just approved me for a car loan and I couldn’t be happier with AFFCU!”

    Joe Fernandez, member since 2013
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    FREE Auto Loan Interactive Lesson

    Explore how auto loans work through the AFFCU Financial Education Center. Review resources, options, and steps to understand how financing and refinancing can help you.


  • Type Auto Loan Rates: Used

    Rates Effective as of: 01-27-2022
    Model Year Term APR1 as low as Monthly Payment2
    Current to 7 years up to 48 months 2.19% $21.78
    Current to 7 years up to 60 months 2.25% $17.64
    Current to 7 years 61 to 72 months 2.45% $14.95
    Current to 7 years 73 to 84 months 3.99% $13.67
    8 to 10 years up to 36 months 3.95% $29.51
    8 to 10 years up to 48 months 4.38% $22.75

    1 APR = Annual Percentage Rate as of the effective date and subject to change at any time without notice. APR based on evaluation of applicant’s credit, age of the auto, and term. Your APR may vary. Not all applicants will qualify for the lowest rate. All loans subject to credit approval. Membership eligibility required.

    2 Monthly payment is based on payment per $1,000 for the maximum term and rate shown above shown. For used/refinance auto, estimated monthly payment per $1,000 borrowed at 2.25% APR for 60 months is $17.64.

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