Why Pay More for the Same Ride?
Refinancing your auto loan with SRCFCU from another lender could lower your monthly payment and reduce the amount of interest you pay over time. It's a smarter way to save without changing the car you love.
Apply in just a few minutes!
Current Rates
| Loan Type | Approximate Term | Annual Percentage Rate* (As Low As) |
|---|---|---|
| New & Used Auto | Up to 36 Months | 4.99% |
| New & Used Auto | Up to 66 Months | 5.24% |
| New & Used Auto | Up to 75 Months | 5.74% |
| New & Used Auto | Up to 84 Months | 5.99% |
Wondering if Refinancing Makes Sense?
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Frequently Asked Questions
Yes! In fact, that's exactly what this promotion is for.
Unfortunately, no. Only loans from other lenders qualify for the offer.
Absolutely.
Once we receive your completed application and any required documentation, most loan applications are reviewed the same business day or by the next business day. Funding timelines may vary depending on your individual loan and documentation requirements.
Ready to Start Saving?
Let us help you see if we can lower your interest rate, adjust your terms, and lower your monthly payments!
Save Money on Your Auto Protection Plan
Our GAP Insurance is Lower Than Most!
When you finance your Auto Loan through Santa Rosa County Federal Credit Union, you can tag on an amazing deal on GAP insurance compared to purchasing it elsewhere, saving you hundreds of dollars! An Auto Protection Plan & Extended Warranty helps you drive with confidence, knowing that your vehicle is covered for the cost of repairs, potentially saving you hundreds or thousands of dollars in automotive repairs. For more details, speak to a loan officer at any of our branch locations and ask about our Auto Protection Plan.
Member Spotlight
Christiane saved $116/month and approximately $3,400 over the life of her auto loan after refinancing her vehicle through SRCFCU!
What Our Members Are Saying
Disclaimers: *APR = Annual Percentage Rate. Rates effective October 1, 2026. Rates as low as 4.99% APR are available to qualified borrowers. Actual rate, term, and monthly payment may vary based on creditworthiness, vehicle age, loan amount, and other underwriting factors. Subject to credit approval and conditions. Auto refinance loans must refinance a vehicle loan currently held by another financial institution. Existing SRCFCU auto loans are not eligible for refinancing. Membership is required. Terms and conditions apply. Federally insured by NCUA.