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Refinance Your Auto Loan

Apply Online

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.

Apply Online
  • Low rates
  • Flexible terms
  • Easy online application
Calculate a Payment
Apply Online

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.

Upload Documents

For internal refinances, please contact SafeAmerica Credit Union.  Fee does apply.  See current fee schedule for details.

Rates

New or Used Autos & Trucks   2015 and newer. Rates as of 2-1-23
Term APR1
24 months 5.74%
36 months 5.74%
48 months 5.74%
60 months 5.74%
66 months 5.74%
72 months 6.24%
84 months 6.49%
96 months* 8.74%

1 Quoted APRs (Annual Percentage Rate) are best available; rate may be higher depending on factors such as credit history and amount financed. Rates for approved applicants will be disclosed in writing before applicant becomes obligated. Payment sample: Pay $23.00 per month per $1,000 borrowed for 48 months at 5.74%. See our payment calculator for more payment samples.

* Minimum loan amount for a 96 month term is $30,000. Tier 1 credit qualification only and a 730 FICO score.

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Phone

(800) 972-0999

  • No. California: (925) 734-4111
  • Lost or Stolen Card 
  • Debit and Credit: (833) 933-1681

Routing Number: 321171757

NMLS#: 746366

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SafeAmerica is an Equal Housing Lender American Share Insurance Logo

Your savings insured to $500,000 per account. By members’ choice, this institution is not federally insured, or insured by any state government.

© 2023 SafeAmerica Credit Union. All rights reserved.

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