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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. It may be time to consider an ATFCU refinance, if the monthly payments are squeezing your budget.

  • Competitive Rates

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

  • Flexible Terms

    Depending on your vehicle, loan terms of up to 84 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.

headshot of Elisabeth Sanchez

Toni B. is the best. I buy a new vehicle at least every 2 years. She has done the financing for me for the last 12 years and NEVER misses a beat! She’s always thorough and believe me, if the deal isn’t in your favor, she’ll let you know!

Elisabeth S., member since 2008

See Today's rates


Used Auto Loans - Cars and Light Trucks

Model Year

Loan Term

Interest Rates (APR*)

Model Year

2023

Loan Term

1 - 84 months

Interest Rates (APR*)

5.00%* to 16.25%

Model Year

2022

Loan Term

1 - 84 months

Interest Rates (APR*)

5.00%* to 16.25%

Model Year

2021

Loan Term

1 - 78 months

Interest Rates (APR*)

5.25%* to 16.50%

Model Year

2020

Loan Term

1 - 72 months 

Interest Rates (APR*)

5.35%* to 16.60%

Model Year

2019

Loan Term

1 - 66 months 

Interest Rates (APR*)

5.45%* to 16.70%

Model Year

2018

Loan Term

1 - 60 months 

Interest Rates (APR*)

5.55%* to 16.80%

Model Year

2017

Loan Term

1 - 54 months 

Interest Rates (APR*)

5.65%* to 16.90%

Model Year

2016

Loan Term

1 - 48 months

Interest Rates (APR*)

5.75%* to 17.00%

Model Year

2015

Loan Term

1 - 42 months

Interest Rates (APR*)

5.85%* to 17.10%

Model Year

2014

Loan Term

1- 36 months

Interest Rates (APR*)

5.95%* to 17.20%

Model Year

2005 - 2013

Loan Term

1-36 months

Interest Rates (APR*)

7.70%* to 17.99%

Other Vehicle Loans

Model Year

Loan Term

Interest Rates

Model Year

Boats - New or Used (Up to 10 years)

Loan Term

1-72 months

Interest Rates

9.25%* to 17.99%

Model Year

RV's - New or Used (Up to 10 years)

Loan Term

1-72 months

Interest Rates

7.25%* to 17.95%

Model Year

RV’s over $50,000 - New

Loan Term

73-120 months

Interest Rates

7.75%* to 19.95%

Model Year

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

Loan Term

1 - 60 months 

Interest Rates

7.95%* to 17.99%

Model Year

Antique/Classic Autos 

Loan Term

1 - 36 months 

Interest Rates

7.70%* to 17.99%

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 in the chart above reflect all available discounts. The lowest available auto rate with no discounts varies by model year. For 2023 models it is 5.75%; 2022 models – 5.75%; 2021 models – 5.75%; 2020 models – 6.00%; 2019 models – 6.10%; 2018 models – 6.20%; 2017 models – 6.30%; 2016 models – 6.40%; 2015 models – 6.50%; 2014 models – 6.60%; 2013 models – 6.70%; 2004-2012 models – 8.45%.

The lowest available RV rate without discounts is 7.75%.  For boats is is 9.75%.  For motorcycles, ATVs, personal watercraft, cargo trailers and antique autos it is 8.45%.

All rates stated as APRs.  APR = Annual Percentage Rate