Auto Refinance
Refinancing with us could save you thousands of dollars over the life of your loan. That means you’ll have more money to spend on important things like routine maintenance — and road trips.
Apply NowView RatesRefinance now and save more
No car payments for up to 90 days*
Potentially lower your interest rate
Pay your car off sooner
Possibly reduce your monthly payments
Additional Resources
Getting Started with Auto Refinancing is Easy
Explore Your Options
Use our rate calculator to see how much you could save each month and over the course of your loan.
Apply for a Loan
Complete your application online, by phone or at one of our branches.
Find More Savings
Ask us how to save even more when you refinance your home, consolidate credit card debt or switch insurance carriers.
Auto Refinance Savings
How much interest can you save if you refinance your auto loan? This calculator helps you find out. Enter the specifics about your current loan and determine how much interest refinancing can save you.
Auto Refinancing FAQs
What do I need to refinance?
To refinance today, start by gathering the following information:
Have the vehicle year, make, model, mileage at the ready
A copy of your registration
Your Vehicle Identification Number (VIN)
Any information about your current lender
How can refinancing help me save money?
If you want to reduce the total cost of your car loan over the life of the loan, you can try to refinance at a lower interest rate or get a shorter loan term. If your goal is to reduce your monthly payment, then you can try to refinance with a longer loan term, but keep in mind that a longer term could mean that you pay more in interest over the life of the loan.
Can I get a better rate if my credit score has improved?
If your credit has improved, you may be able to get a lower interest rate by refinancing your car loan. To find out if you might qualify for a lower rate, apply online today. It only takes a few moments.
When is it a bad idea to refinance an auto loan?
If your old car loan has a prepayment penalty or early termination fee, then it might cost more to refinance than to keep your old loan. When you owe more on your old loan than the car is worth, that can also make it less appealing to refinance. If you aren’t sure whether it makes sense to refinance, give us a call at 904-777-6000 or 800-445-6289, option 3, and we’ll talk you through your options.
Call 904-777-6000
Visit a BranchRelated Tools & Resources
Refinancing Your Auto Loan
Want to reduce your monthly payment or the overall cost of your car loan? Refinancing your auto loan with us could help by lowering your interest rate or changing the term of your loan. Auto Loan Refinancing
Get Your Free Credit Report
Your credit score can impact your finances — and your lifestyle. Get a free copy of your credit report to check for errors and prevent problems.
Auto Refinance Calculator
How much interest can you save if you refinance your auto loan? This calculator helps you find out.
All loans are subject to credit approval. All rates are based on an evaluation of the member’s individual credit history. Terms are subject to conditions and verification restrictions may apply. All credit union programs, rates, terms and conditions are subject to change at any time without prior notice.
No payments will accrue for the first 90 days from the date of loan disbursement. After the 90-day period, payments will begin accruing at the contracted rate. All loans are subject to credit approval. Terms and conditions apply. Offer not available on existing VyStar auto loans. Offer not available on commercial vehicle loans.