The Key To A Great Auto Refinance
Refinance An Auto Loan. Receive 1% Cash Back, up to $500!
We’ll pay you to bring us an auto loan you have elsewhere. Refinance with SafeAmerica Credit Union and receive:
- 1% cash back, up to $500
- Rates as low as 6.74% APR* for 66 months
- 0.25% rate discount with automatic payments
- No payments for 60 days
- Additional monthly bonus with MoveUP Rewards**
Get Started In a Few Easy Steps
Make the switch today. An auto refinance can extend your term and/or lower your rate, saving you money each month. Plus, you'll get to skip your first two payments.
- Apply online below
- Documents we'll need include: current vehicle registration, insurance and lender statement
- Securely upload your documents to us at any time. Upload Documents »
Auto Refinance
Switch your auto loan to SafeAmerica Credit Union and save
- Great rates
- Flexible terms
- No payments for 60 days
Documents Needed
Here are some documents we may ask for during the application process.
Calculate a Payment
Use our online calculators to see how much you may be able to save.
Guaranteed Auto Protection
Receive member-only pricing on Guaranteed Auto Protection (GAP). GAP covers the difference between what the insurance company pays out and what you still owe on the loan.
Interest will continue to accrue during 60-day no payment period.
Cash back incentive: Earn 1% cashback of your total loan origination balance, up to $500. Minimum $20,000 loan required. Offer valid only for vehicles refinanced from another financial institution. Refinancing may extend the term of your loan. Vehicle model year 2017 or newer with less than 100k miles. Proof of insurance required. 1% cash back will be credited to your primary share account after loan funding. This offer is valid starting 2/15/24 and can be withdrawn anytime. Member must be in good standing to refinance.
**MoveUP Rewards: Must have an active, eligible SafeAmerica personal checking account and maintain a combined balance in your qualifying SafeAmerica deposit accounts of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, or $100,000 for the Executive tier. Auto bonus is provided as a monthly credit to eligible members’ primary checking account at month end regardless of payment due date. Credit provided based upon highest outstanding balance of all vehicle loans held by the eligible primary borrower. Credit equal to percentage of principal amount outstanding divided by twelve months in a calendar year. Loan must be current or within eligible grace period during the month in order to receive bonus. Additional program rules or regulations may apply.
Rates
Auto Loan Rates Rates as of 4-1-24 | ||
---|---|---|
Term | Best APR1 New (2023 or newer) | Best APR1 Used (2017 or newer) |
24 months | 6.74% | 6.94% |
36 months | 6.74% | 6.94% |
48 months | 6.74% | 6.94% |
60 months | 6.74% | 6.94% |
66 months | 6.74% | 6.94% |
72 months | 7.24% | 7.44% |
84 months | 7.49% | 7.69% |
96 months* | 10.49% | 10.69% |
1 Quoted APRs (Annual Percentage Rate) are best available and subject to change without notice; 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 6.74%. New rates are for vehicles with less than 10,000 miles. Receive a 0.25% rate discount when you set up auto pay at time of loan origination. Discount may be revoked if requirements are not met. 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.