LIMITED-TIME ONLY
Why Pay More for the Same Ride?
Refinancing your auto loan with SRCFCU could help you lower your monthly payment, reduce the amount of interest you pay over time, and even earn up to $500 cash back. It's a smarter way to save without changing the car you love.
Refinance your qualifying auto loan and earn cash back based on your loan amount.
A lower interest rate or updated loan term may reduce your monthly payment and help free up money in your budget.
Save on total interest costs.
Extra flexibility right away.
Offer not valid on existing SRCFCU loans.
Get Rewarded for Refinancing
The larger your qualifying refinance loan, the bigger your cash back reward.
| Qualifying Refinance Amount | You'll Receive |
|---|---|
| $10,000 – $19,999 | $100 Cash Back |
| $20,000 – $29,999 | $200 Cash Back |
| $30,000 – $39,999 | $300 Cash Back |
| $40,000 – $49,999 | $400 Cash Back |
| $50,000 & Above | $500 Cash Back |
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% |
Wondering if Refinancing Makes Sense?
You could lower your payment, reduce your interest rate, and even earn cash back.
Calculate Your Loan Payment
Enter the loan amount, APR, and term to estimate your monthly payment.
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.
Up to $500, depending on the amount of your qualifying refinance loan.
Absolutely.
Once we receive your completed application and any required documentation, most refinance 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 Trade Your Payment for a Better One?
Get up to $500 cash back when you refinance your qualifying auto loan.
Disclaimer: *APR = Annual Percentage Rate. Rates effective October 1, 2025. Rates as low as 4.24% 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. Cash back incentive is based on the qualifying refinance loan amount and will be deposited into the member's SRCFCU savings or checking account within 30 days of loan approval. Limit one cash back incentive per vehicle. Membership is required; new and existing members are eligible. Refinanced loan must remain open and in good standing at the time the cash back incentive is paid. The 90-day no-payment option is not automatic and must be requested through your loan officer. This is a limited-time offer and may be modified or discontinued at any time without notice. Federally insured by NCUA.