Vehicle Loan Refinancing

Refinance Your Auto Loan

Lower your auto loan interest rate, free up room in your budget, and save over the life of your loan.

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Refinance Auto Loans

Refinance and Save with Andrews Federal

Refinancing your vehicle loan could be one of the easiest ways to take control of your finances. If interest rates have dropped since your vehicle purchase, refinancing could save you hundreds—maybe even more.

Featured Rates

New Auto Loan Rates as low as

3.89

%
APR*

Used Auto Loan Rates as low as

4.40

%
APR*

New Auto Loan Term	APR as low as	Monthly Payment Per $1,000 Borrowed
36 months	3.89%	$29.57
48 months	4.49%	$22.89
60 months	4.49%	$18.71
72 months	5.42%	$16.38
84 months	5.57%	$14.47

New Auto Loan Term

36 months

APR as low as

3.89%

Monthly Payment Per $1,000 Borrowed

$29.57

48 months

APR as low as

4.49%

Monthly Payment Per $1,000 Borrowed

$22.89

60 months

APR as low as

4.49%

Monthly Payment Per $1,000 Borrowed

$18.71

72 months

APR as low as

5.42%

Monthly Payment Per $1,000 Borrowed

$16.38

84 months

APR as low as

5.57%

Monthly Payment Per $1,000 Borrowed

$14.47

New Auto Loan Rates - Payment examples do not include optional insurance products. Used auto loan rates available at andrewsfcu.org. A New Vehicle is a vehicle that is of the current or previous model year (up to a maximum of one year old) and is currently owned by the original owner of the vehicle. Andrews Federal does not finance vehicles more than 10 model years old unless they are deemed a Classic vehicle. Minimum loan amount is $5,000. Maximum loan amount is $150,000. Loan amount cannot exceed 120% of the MSRP or JD Power/NADA value of vehicle. Existing Andrews Federal auto loans cannot be refinanced for these rates/terms unless you are financing an additional amount of $5,000 or more plus the existing loan balance.

Used Auto Loan Term	APR as low as	Monthly Payment Per $1,000 Borrowed
36 months	4.40%	$29.81
48 months	4.74%	$22.92
60 months	4.74%	$18.76
72 months³	6.00%	$16.66
84 months²	6.60%	$14.98

Used Auto Loan Term

36 months

APR as low as

4.40%

Monthly Payment Per $1,000 Borrowed

$29.81

48 months

APR as low as

4.74%

Monthly Payment Per $1,000 Borrowed

$22.92

60 months

APR as low as

4.74%

Monthly Payment Per $1,000 Borrowed

$18.76

72 months³

APR as low as

6.00%

Monthly Payment Per $1,000 Borrowed

$16.66

84 months²

APR as low as

6.60%

Monthly Payment Per $1,000 Borrowed

$14.98

Used Auto Loan Rates - Payment examples do not include optional insurance products. Used auto loan rates available at andrewsfcu.org. A New Vehicle is a vehicle that is of the current or previous model year (up to a maximum of one year old) and is currently owned by the original owner of the vehicle. Andrews Federal does not finance vehicles more than 10 model years old unless they are deemed a Classic vehicle. Minimum loan amount is $5,000. Maximum loan amount is $150,000. Loan amount cannot exceed 120% of the MSRP or JD Power/NADA value of vehicle. Existing Andrews Federal auto loans cannot be refinanced for these rates/terms unless you are financing an additional amount of $5,000 or more plus the existing loan balance.

Reasons to Refinance

The Road to Savings Starts Here

Refinancing your auto loan with Andrews Federal is a smart move to put money back in your pocket.

Low, Fixed Interest Rates

Save money and keep payments predictable.

Easy Online Application

Apply in minutes with our fast, easy online process.

Set your Payment Plan

Choose a lower rate or a longer term, or both - whatever fits your budget and goals

Your Questions. Answered.

Frequently Asked Questions about Vehicle Refinancing

Learn how to handle the vehicle refinancing process, from applications to credit and more.

Do I need to be a member to refinance my vehicle loan?

Yes, you’ll need to become a member to finalize your refinance loan. The process is simple and includes opening a basic savings account with a small initial deposit.

Can I refinance my auto loan even if it’s not with Andrews Federal?

We welcome refinances from other lenders. If you’re currently paying a higher interest rate elsewhere, refinancing with us could save you money.

How soon can I refinance my current loan?

Ideally, you should wait at least 60–90 days after your original purchase to refinance. However, the sooner you qualify for better terms, the sooner you can start saving.

What if I want to change my loan term during refinancing?

You’ll have the flexibility to select a new term. Choose a shorter term to pay your vehicle off faster or a longer term to lower your monthly payments—it’s up to you.

Will refinancing affect my credit?

Refinancing involves a credit check, which may temporarily affect your score. However, if it lowers your monthly payments or helps you pay off your loan faster, the long-term benefits often outweigh the short-term impact.

Do you offer extended warranties for vehicles?

Yes, we offer Major Mechanical Protection (MMP). The cost varies depending on the plan type and vehicle.

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Quick Links

Vehicle Loans

Discover affordable vehicle loan options designed for you at Andrews Federal.

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Get the cash you need with Personal Loans and Lines of Credit from Andrews Federal.

We do business in accordance with the Equal Credit Opportunity Act. Must be a member of the credit union to open any loan account. Rates, terms and conditions vary based on creditworthiness and qualifications and are subject to change.

*APR=Annual Percentage Rate.

Refinance Your Auto Loan

Refinance and Save with Andrews Federal

Featured Rates

Check Refinancing Rates