AUTO LOAN RE-FINANCING
Financed your car at a dealership? Our auto loan rates are 1-2 percentage points lower than the national average1. Re-financing your auto loan at a lower rate could save you thousands of dollars on your loan. Apply online in minutes and see how much you could save!
Low, fixed interest rates that beat industry averages
No penalty for paying off some or all of your loan early
Re-finance your higher rate auto loan and lower your monthly payments
Up to 0.50% rate reduction1 for members re-financing electric cars and switching to eStatements
Rates Calculator Re-finance Now
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Fast & Easy Re-financing
Submit an application Complete our easy 7 min loan application online or by calling 888-222-8571.
Discuss the details A Selfreliance representative will contact you to discuss how much you can save on your monthly payment and total interest charges by re-financing.
Complete your loan documents Sign your new loan documents right from your phone, online or by visiting a local branch.
Funds sent to lender The loan proceeds will be sent directly to the lender, paying off that loan in full.
Ready To Get Started?
1Members who buy an all-electric or plug-in electric vehicle receive up to 0.5 percent discount on the interest rate of their loan for a new or used vehicle. Search for alternative fuel vehicles here.
2 Not all applicants will qualify for the lowest Annual Percentage Rates (APR) shown. Annual Percentage Rate (APR) is based on an assessment of individual creditworthiness and our underwriting standards. For example, a new auto loan from the dealer for $50,000 with a 48-month term, 90% LTV, and a borrower’s credit score of 781 will currently have an APR of 4.69% and monthly payments of approximately $23 per $1,000 borrowed. Current auto loan modification fee is $50. Auto loans are available for vehicles up to 12 years old and with 120,000 miles or less, subject to underwriting guidelines and LTV limitations. Maximum loan amount is $75,000. Maximum LTV is 100%, with exceptions for rebuilt or salvage title vehicles. Vehicle term eligibility is as follows: model years older than 7 years are eligible for terms up to 60 months; model years 7 years old or newer are eligible for terms up to 75 months; and model years 4 years old or newer are eligible for terms up to 84 months. A down payment is not required; however, providing a down payment may help reduce your loan rate. Auto loans are available only in Illinois, Wisconsin, Indiana, Michigan, New Jersey, New York, Pennsylvania, Maine, Vermont, New Hampshire, Massachusetts, Connecticut, Rhode Island, and Minnesota. All Selfreliance FCU loan programs, rates, terms, and conditions are subject to change at any time without notice.
