Auto Loan Refinance
Refinance Your Auto Loan and Save. Enjoy a 1% discount on your qualifying rate** when you refinance an auto loan from another lender. Use Promo code GOLDENRATE. Offer ends 6/30/26.
Hit Cruise Control on Lower Payments
Rev up your savings with a credit union auto loan refinance! Get a better deal by refinancing with a lower rate to save on interest or a better term to lower your monthly payments—or both! Apply today to find out how much you can save.
Get More Miles for Your Money with Benefits You’ll Love
Up to 100% Financing
No need to wait to save for a down payment. You can start saving right away!
No Payments for 90 Days
Take a short break after refinancing before the first payment is due.
Competitive Rates
Lock in a great rate to keep more of your hard-earned money.
Flexible Terms
Terms of up to 96 months are available for monthly payments that work better for your budget.
Refinance to Downshift Your Payments
Have interest rates decreased since you financed your vehicle? Then why not refinance and save with San Francisco FCU? We’ll help you lock in a great rate or adjust your loan term to get monthly payments that work for your budget. You can also refinance with a shorter term to pay off your loan faster and save on interest.
Ready to hit the brakes on high rates? Apply today to find out how much you can save! Our dedicated team is here to guide you every step of the way.
Additional Features of Our Credit Union Auto Refinance
Skip-a-Payment Option
Is money tight? Take a month off from your payments with our Skip-a-Payment Program (certain conditions apply).
No Hidden Fees
Refinance without worrying about surprise fees affecting your budget.
Affordable Payments
We’ll work with you to help you get a monthly loan payment that you can afford.
Fast Loan Decisions
We won’t leave you hanging! We provide fast loan decisions so you don’t have to wait to get a better deal.
Easy Loan Application
Refinancing your auto loan is a breeze! Our application process is short and simple to help you get a better loan without the hassle.
Personalized Service
Our members are our top priority, and we’ll support you throughout the loan process and beyond.
Applying Is as Easy as 1-2-3!
Apply Online
Already a member? Fill out our short online application or drop by a local branch.
01
Application Review
We’ll review your application and reach out with a fast loan decision.
02
Finalize the Loan
Review the terms and sign the new loan agreement to start saving.
03
Member Reviews
Why Choose San Francisco FCU?
San Francisco FCU offers small-town service right here in the city. As a nonprofit organization, our top priority is serving the needs of our members, who are the owners. We don’t have to worry about earning profits for investors, which allows us to pass the savings on to you through better rates and lower fees.
In addition to helping you get a better deal on your auto loan, we can also serve all of your banking needs. Become a member today to experience the benefits of community-focused banking!
San Francisco Federal Credit Union Auto Refinancing FAQ
With a credit union car refinance, you can lower your monthly payments with a lower interest rate or by extending the loan term. You can also shorten the term to pay off your loan faster and save on interest.
Yes, we will check your credit score to assess your ability to repay the loan. We will also review your income, employment history, current debts, and other factors when making a car loan decision.
Absolutely! When you refinance your auto loan, we will pay off your current loan. You will then start making payments on your new loan.
Many different vehicles qualify for an auto refinance credit union loan including cars, trucks, and vans. The eligibility will vary depending on the model year, mileage, condition, and current value.
You are eligible for membership if you live, work, worship, or attend school in San Francisco or San Mateo counties. Currently, non-permanent U.S. residents are not eligible for membership unless a loan is submitted/approved concurrently. We are working on expanding our membership eligibility to non-permanent U.S. citizens. You are also eligible for membership if you are a relative of a current member, which is defined as spouses, children, sisters, brothers, grandparents, grandchildren, step-relatives, and adoptive children. If you are not eligible through the previous requirements, you can establish your membership through a qualifying organization, such as MyPath.
More Ways We Can Help with Vehicle Financing
*ANNUAL PERCENTAGE RATES. For all loans, the actual annual percentage rate is determined at the time a credit decision is rendered and may be higher than the lowest rate available. Credit history, loan terms, mileage, age of collateral, and amount borrowed are all factors that determine the rate. Not all borrowers will qualify for the lowest rate. There are NEVER any prepayment penalties for repaying your loan early. All loans are subject to credit approval. Financing is available only on vehicles with 100,000 miles or less. The Prime Rate is 8.50% APR as of 09/01/2023.