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Auto Loan Refinancing

Now You Can Love Your Ride And Your Rate!

Refinance and Save

Apply for a Vehicle Loan

I am applying as a:

Applying online is fast and easy.

Should you have any questions or need assistance, please reach out to us:

Phone: 410-584-7474

Email: [email protected]

Representatives available
Mon-Fri: 9AM-5PM

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, Used, Refinance, & Secured


APR as low as*

Monthly Payment per $1,000

A used vehicle is classified as a vehicle one or more years older than current model year, or current model year vehicle with over 5,000 miles.
* APR = Annual Percentage Rate. Actual rate will vary. Advertised as low as rate includes a rate discount of 1.00% for having a checking account with a direct deposit established totaling at least $1,500 per month to an AFFCU account and having automatic loan payment transfers setup from an AFFCU account. Maximum loan-to-value (LTV) is 130% for vehicles less than 3-years old.
**Minimum amount of $25,000 required for 72 months or longer term.


Up to 60 months

APR as low as*


Monthly Payment per $1,000



72 months**

APR as low as*


Monthly Payment per $1,000



84 months**

APR as low as*


Monthly Payment per $1,000


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:

  1. lowering your monthly payments
  2. decreasing the interest you have to pay
  3. 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.

  1. Your credit has improved
  2. Your financial situation has improved
  3. The market has shifted and rates are lower
  4. 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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You might also be interest in

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?

Read more to learn about auto refinancing.

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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Call Us

(410) 584-7474