Refinance Your Auto Loan
Switch your auto loan to SafeAmerica Credit Union and save!
If you currently have an auto loan somewhere other than SafeAmerica Credit Union, you may be able to lower your payment by transferring your loan balance. Once you are approved, we will take care of transferring the loan for you. It’s that easy. Enjoy:
- Low, competitive rates
- Flexible terms, from 24 to 96 months
- Easy online application
- Optional Guaranteed Auto Protection (GAP) and Mechanical Breakdown Protection (MBP) coverage. Get a free quote
- Member-only pricing on auto insurance. Get a free quote
Make the switch today!
Apply online or give us a call at (800) 972-0999 to see if we can lower your monthly payment on a vehicle you have financed elsewhere.
Auto Refinance
Switch your auto loan to SafeAmerica Credit Union and save.
- Low rates
- Flexible terms
- Easy online application
Documents You'll Need
In order to finalize your loan, we will need the following documents:
- Vehicle registration
- Vehicle insurance
- Current lender statement
These can be uploaded at the time of application or you can upload them online via our Sharefile site by clicking the Upload Documents link below. Please select "Consumer Lending" as the recipient.
Rates
| Auto Loan Rates Rates as of 11-1-24 | ||
|---|---|---|
| Term | Best APR1 New (2023 or newer) | Best APR1 Used (2017 or newer) |
| 24 months | 5.49% | 5.69% |
| 36 months | 5.49% | 5.69% |
| 48 months | 5.49% | 5.69% |
| 60 months | 5.49% | 5.69% |
| 66 months | 5.49% | 5.69% |
| 72 months | 5.99% | 6.19% |
| 84 months | 6.24% | 6.44% |
| 96 months* | 9.24% | 9.44% |
1 APR (Annual Percentage Rate) is the best available and subject to change without notice; includes a 0.25% discount when you set up automatic payment at time of loan origination; rate may be higher depending on factors such as creditworthiness, age or value of the vehicle, LTV, amount financed and terms and conditions. Rates for approved applicants will be disclosed in writing before applicant becomes obligated. Payment sample: $18.00 per month per $1,000 borrowed for 66 months at 5.74%. New rates are for vehicles with less than 10,000 miles. Discount may be revoked if requirements are not met. Existing SafeAmerica auto loans are not eligible for refinance. Loans require SafeAmerica membership. All loans subject to credit approval.
*Minimum loan amount for 96 month term is $30,000. Tier 1 credit qualification only and a 730 FICO score.
