Auto Refinance Loans

Deciding whether or not you should refinance your current auto loan can be stressful. That’s where we come in. At Partners Financial FCU, we’ll walk through the process and help you decide if it’s the right choice for your circumstances.

Auto refinance loans feature:

  • Low, competitive interest rates
  • Straightforward application process
  • Flexible repayment options
  • Quick and personal service
  • Money-saving resources available

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Auto Refinance: How To Get Started

When you choose Partners Financial FCU for an auto refinance loan, the process is quick and simple. Once you become a member, you can begin your application.

Here, you will need to provide:

  • Loan Type
  • Loan Amount
  • Application Type (Individual or Joint)
  • Purpose of Loan

Once submitted, your application will be reviewed by one of our loan officers. This is done immediately within the office, so you’ll be hearing back from us in no time! Meanwhile, be sure to check out our Financing Options for more information and tips on the auto financing process.

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Acceptance of this Application is contingent upon qualification for Credit Union Membership. All rates and terms are subject to change and some restrictions may apply.

Benefits of Auto Loan Refinancing

As with most loan refinancing options, there are pros and cons to weigh. The end goal is always a lower monthly payment, however, sometimes refinancing results in more money out of pocket.

Luckily at Partners Financial FCU, we’ll help lead the way towards a sound financial decision, one that makes sense for your budget and your lifestyle.

You should consider an auto refinance loan if…

  • the interest rate you qualify for is lower than your current interest rate.
  • your credit score has improved since applying for your current auto loan.
  • you can shorten your current loan term to pay less over time.
  • your income has reduced and you need to pay less per month to keep other finances afloat.

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Auto Refinance Loan Frequently Asked Questions

How much am I able to save by refinancing with Partners Financial FCU?

The amount you may be able to save by refinancing your current auto loan is dependent upon different factors. These include, but are not limited to:

  • the interest rate you qualify for
  • your credit score
  • if you have extra charges on your current loan you could eliminate by refinancing

Does refinancing hurt my credit score?

When you run a credit check or apply for a loan, your credit score is impacted. As such, refinancing can cause your credit score to take a temporary dip, but it shouldn’t last long.  By making on-time payments on your new, refinanced loan, your credit score will come back up and/or get even better than before.

Does refinancing cost me anything upfront?

Refinancing with Partners Financial FCU doesn’t cost you a penny! Your time spent researching your options is the only effort or cost to you.

Refinance Your Auto Loan With Us Today

At Partners Financial FCU, we want to be your partner in financing!

If you are interested in obtaining a lower monthly payment or adjusting your current loan terms through auto refinancing, you’ve come to the right place.


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You are leaving the Partners FFCU website and will be linked to an alternate Internet site not operated by the credit union. Partners FFCU is not responsible for the content of the alternate Internet website. Partners FFCU does not represent either the third party or you if the two of you enter into a transaction. Please be aware that privacy and security policies on the website to which you are being taken may differ from those practiced by Partners FFCU.

A $15. Convenience fee will be automatically added to your payment amount. Your maximum total payment amount (including the $15 convenience fee) cannot exceed $800. Payments initiated and approved by 3:00pm will be applied to your loan on the same business day. Payments initiated and approved after 3:00pm, or on a day that the credit union is closed (weekends and holidays), will be applied on the next business day. If you have a PFFCU debit card, please log into home banking to make your loan payment.

Please select OK to confirm and continue to the payment form.

Excludes mortgages and home equity lines of credit. A $25 fee is due at set-up for each loan. Loan must have been open for at least 6 months. Past due accounts do not qualify. One skip-a-pay allowed per calendar year (Jan-Dec).