man putting toddler in car seat
Vehicle Refinance

Save on your monthly payment

Remedy those dealer financing blues


After the excitement wears off, you may realize the interest rate is higher than you expected. The monthly payment is squeezing your budget. It’s time to consider an ATFCU refinance.

  • Competitive Rates

    Our rates are usually the best in the Big Country for most members. Check them out below.

  • Flexible Terms

    Depending on your vehicle, loan terms of up to 72 months on autos and 120 months on RVs. See them below.

  • No sneaky fees

    No loan application fee and no prepayment penalty.

  • Skip-a-Payment

    Skip up to two payments a year without affecting your credit score.

I worked with Brandi C. and she was on top of everything, every step of the way! She even helped me deal with a horrendous car dealership! She was patient and got me in with extra benefits while lowering my rate! If y’all need help with a car loan, I highly suggest Brandi! She will be my go to from now on!

Alyssa J., member since 2019

See Today's rates

New & Used Auto Loans - Cars and Light Trucks

Model Year

Loan Term

Interest Rates (APR*)

Model Year

2020 and newer

Loan Term

1-72 months

Interest Rates (APR*)

1.25%* to 13.00%

Model Year

2019

Loan Term

1-66 months

Interest Rates (APR*)

1.25%* to 13.00%

Model Year

2018

Loan Term

1-60 months

Interest Rates (APR*)

1.25%* to 13.00%

Model Year

2017

Loan Term

1 - 54 months 

Interest Rates (APR*)

1.25%* to 13.00%

Model Year

2016

Loan Term

1 - 48 months 

Interest Rates (APR*)

1.25%* to 13.00%

Model Year

2015

Loan Term

1 - 42 months 

Interest Rates (APR*)

1.25%* to 13.00%

Model Year

2014 - 2011

Loan Term

1 - 36 months 

Interest Rates (APR*)

1.25%* to 13.00%

Other Vehicle Loans

Model Year

Loan Term

Interest Rates

Model Year

Boats/RV’s - New or Used

Loan Term

1-72 months

Interest Rates

2.2%*-13.75%

Model Year

RV’s over $50,000 - New

Loan Term

73-120 months

Interest Rates

2.2%*-13.75%

Model Year

Motorcycle, ATV, Personal Watercraft, Cargo Trailer- New only 

Loan Term

1 - 60 months 

Interest Rates

3.95%* to 15.50%

Model Year

Antique/Classic Autos 

Loan Term

1 - 36 months 

Interest Rates

4.25%* to 15.25%

Gather this info for a quick start

Save time by collecting the following:

  • Current lender information including full address and phone number
  • Your account number with your current lender
  • The current balance of your existing loan; also known as the payoff amount
  • Make, model and trim level of the vehicle being refinanced. Example – 2016 Chevy Tahoe LT
  • Vehicle Identification Number (VIN) of the vehicle being financed
calculator with refinance button

Auto Loan FAQs

The credit union evaluates two things when deciding to approve a loan:

  • Your history of repayment 
  • The amount of debt you are carrying

The credit report helps us answer those questions.

Please bring at least your last 2 paycheck stubs or another form of income verification.

*Other documentation may be required upon review of the loan application.

10 years old or newer.

Calculate the bottom line

Rest easier knowing that you and your vehicle are protected

  • baby in car seat

    GAP - Guaranteed Asset Protection

    GAP protects the value of your vehicle investment during the early years of your auto, light truck or RV loan.

  • To men looking at broken down car

    Mechanical Breakdown Coverage

    Covers expensive repair bills for the full term of your auto or light truck loan.

     

  • man in red vintage car waving

    Credit Life & Disability

    In cases of disability or death, credit insurance may make your loan payments when you are unable.

See if ATFCU can save you money

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Disclosures

All loans subject to approval. Rates, terms & conditions are subject to change and may vary based on creditworthiness, qualifications & collateral conditions.

*The rates shown reflect all available discounts. Discount information can be found above. The lowest available base rate with no discounts is 2% APR for auto & light truck loans and 2.75% APR for RVs and boats.

APR = Annual Percentage Rate