Auto Loan Refinancing

Now You Can Love Your Ride And Your Rate!

Apply for a Vehicle Loan

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Make Your Loan Rate And Payment As Great As Your Ride.

Happy with your ride but not your monthly loan payment? Perhaps you got a great deal but not the best auto loan from the dealer. No worries, we can help. Refinance your loan with AFFCU and we can help lower your rate and your monthly payment. You pocket the savings!

No Application Fees

Lower Monthly Payments

Increased Savings

Check Out Our Everyday Great Low Rates

Vehicle Loans - New
Term/Months	Minimum Loan Amount	Automated Payments APR* as low as	Estimated Monthly Payment per $1,000
*APR=ANNUAL PERCENTAGE RATE 1 Some restrictions may apply. 2 Rates available on approved credit. Not all applicants will qualify for the lowest rate. 3 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates).Rate quoted based on 36 month term, $2,500 up to $25,000 4 Rates and terms may be different as determined by collateral and individual credit worthiness. 5 Based on Prime Rate. Prime rate is 7.50% as of December 18, 2024. This is a variable rate product. 6 Used auto loans with a term of 76 to 84 months must be for $20,000 or more to qualify for the rate listed.
Term/Months 48	Minimum Loan Amount	Automated Payments APR* as low as 5.49%	Estimated Monthly Payment per $1,000 $23.26
Term/Months 63	Minimum Loan Amount	Automated Payments APR* as low as 5.74%	Estimated Monthly Payment per $1,000 $18.43
Term/Months 75	Minimum Loan Amount	Automated Payments APR* as low as 6.24%	Estimated Monthly Payment per $1,000 $16.14
Term/Months 84	Minimum Loan Amount $20,000	Automated Payments APR* as low as 7.04%	Estimated Monthly Payment per $1,000 $15.12

Is Refinancing Right For Me?

Much like refinancing a mortgage, an auto refinance essentially replaces your existing loan with a new loan and different terms. This can be used in your favor, but only if it’s done in the right situation and at the right time.

Reasons for auto refinancing include:

lowering your monthly payments
decreasing the interest you have to pay
getting new loan terms that make more sense for your financial situation

When Is The Best Time For An Auto Loan Refinance?

There are many benefits to refinancing a car loan, but it’s important to know when the timing is right. The following indicators may help you decide if an auto refinance in Baltimore, MD is right for you.

Your credit has improved
Your financial situation has improved
The market has shifted and rates are lower
You’ve had budget changes and need to reduce payments

Calculate Your Potential Refinance Savings

Should I refinance my auto loan at a lower rate?

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When Is The Best Time To Refinance A Car?

Refinancing your auto loan can save you money. But how do you know when it is the right time to refinance and if you will qualify?

Stash Your Extra Savings

After you refinance, take those extra payment savings and pay yourself. Consider opening an Add & Earn Share Certificate.

Check out this great way to save

Contact us and get started

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(410) 584-7474