Why pay more for the same ride? Refinance your auto loan and see how much you could save. Members who made the switch saved an average of $80 every month. Free up cash each month plus save money over the life of your loan!
Why Refinance with SRCFCU?
Lower Interest Rates
Lock in a better rate and reduce what you pay over time.Reduce Monthly Payments
Free up your budget with more manageable monthly payments.
Pay Less Over the Life of the Loan
A lower rate or shorter term can mean big savings on total interest.
No Payments for 90 Days
Take a break—your first payment isn’t due for 90 days.
Refinance and Save!
Do you have an Auto Loan with another lender? Let us help you see if we can lower your interest rate, adjust your terms, and lower your monthly payments! Explore options to save more on the road ahead.
Apply in just minutes!
Why Refinance with SRCFCU?
Lower Interest Rates
Lock in a better rate and reduce what you pay over time.
Reduce Monthly Payments
Free up your budget with more manageable monthly payments.
Pay Less Over the Life of the Loan
A lower rate or shorter term can mean big savings on total interest.
No Payments for 90 Days
Take a break—your first payment isn’t due for 90 days.
Current Rates
| Loan Type | Approximate Term | Annual Percentage Rate* (As Low As) |
|---|---|---|
| New & Used Auto | Up to 36 Months | 4.24% |
| New & Used Auto | Up to 66 Months | 4.99% |
| New & Used Auto | Up to 75 Months | 5.49% |
| New & Used Auto | Up to 84 Months | 5.74% |
Calculate Your New Payment
Calculate Your Loan Payment
Enter the loan amount, APR, and term to estimate your monthly payment.
Ready to Start Saving?
Let us help you see if we can lower your interest rate, adjust your terms, and lower your monthly payments!
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
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.
Have Questions?
Contact a friendly loan officer today.
Disclaimers: *APR = Annual Percentage Rate. Rates effective October 1, 2025. Actual rates may vary based on credit history, vehicle age, and term. Subject to credit approval and conditions. Terms and conditions apply. Auto refinances must be through another financial institution to qualify. Federally insured by NCUA.