Save big and get to your destination faster by refinancing your auto loan.

Refinancing your auto loan with San Francisco Federal Credit Union provides an impressive host of benefits if you’re looking to regain control of your monthly car payments.

Refinancing is an excellent option when…

Car with a high auto payment

Your monthly auto
payments are too high

Credit Score Increase

Your credit scores increase


Your term lengths no
longer fit your lifestyle

Car Refinance Features From San Francisco Federal Credit Union

Check out some of the benefits and features of auto refinancing with us:

  1. Competitive Rates: Find your payment sweet spot
  2. Flexible Terms: From 12 to 96 months
  3. Up to 100% Financing: Reduce overhead debt
  4. No Payments For 90 Days: Save, save, and save some more!

Auto Refinance Rates

Car loan refinancing rates offer members the greatest flexibility in their monthly payment plans.

Refinance TypeTerm LengthsAPR*
New Car Loan Refinancing
(2023+ ; < 5,000 Miles)
1 – 96 MonthsAs low as 2.99%
Used Car Loan Refinancing
1 – 96 MonthsAs low as 7.10%
Classic Car Loan Refinancing
(2011 And Older)
1 – 96 MonthsAs low as 10.10%

Rate not found, please try again.

*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.

Member Reviews

Car Refinance FAQs

How do I apply for a Car Refinancing loan?

Any of our local branches are happy to assist you in-person or over the phone at 415-775-5377. Our online loan application portal is open 24/7 to users on any electronic device

How much will I save on my refinanced auto loan?

Try using our car loan refinancing calculator to get the best idea of projected monthly savings..

When can I refinance my auto loan

Vehicles can be refinanced immediately after their purchase date. However, it is important to research and evaluate your options before making a refinance decision.

When is refinancing a good option?

Refinancing is an excellent option for people looking to regain control of their finances. You should consider refinancing when your monthly auto payments are too high, your credit scores increase, or your term lengths no longer fit your lifestyle.

Car Loan Refinancing Resources

At San Francisco Federal Credit Union, we believe in guiding you towards success in all of your financial decisions, including auto loan refinancing.

Make the most of your money with these resources.

Get On The Road Faster With An Auto Refinance Through San Francisco Federal Credit Union

Score a lower interest rate and save money for whatever your future may hold with a little help from the experts at San Francisco Federal Credit Union

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