Auto Loans
How Do I Refinance My Auto Loan with FCCU?
If your current auto loan is with another lender, you can apply to refinance it with First Commerce Credit Union. We offer competitive rates, flexible terms, and up to 100% financing for qualified borrowers. Apply online in just minutes!
Refinancing Your loan
What to Know About Refinancing Your Auto Loan
Refinance From Another Lender
Your current auto loan must be held by another lender to refinance it with First Commerce.
Flexible Loan Terms
We offer auto loan terms of up to 84 months, giving you options for payment and term.
Up to 100% Financing
Qualified borrowers may be able to finance up to 100% of the vehicle.
From comparing to choosing
A Simple Way to Move Forward
01
Review Auto Loan Rates
Your rate will depend on factors including your credit qualifications and selected loan term.
02
Apply for Refinancing
Complete our secure online application. We offer an easy process with fast local approval.
03
Review Your New Loan Terms
If approved, compare the proposed loan with your existing loan before making a decision. Schedule an appointment for support.
A little more clarity
Questions Worth Asking
A few details can make the choice easier.
Can I refinance an existing First Commerce auto loan?
Not through FCCU’s standard auto refinance offer. The current site specifies that the vehicle being refinanced must have its existing loan with another lender.
What auto loan terms does First Commerce offer?
We offer flexible terms up to 84 months or longer. Available terms and rates can vary, so review the current auto loan information when applying.
How do I know if refinancing my auto loan makes sense?
Compare the proposed loan’s APR, monthly payment and term with your existing loan. A lower payment doesn’t necessarily mean lower overall borrowing costs, particularly if the new loan extends how long you'll be making payments.
Is there a penalty for paying off my FCCU auto loan early?
There is no penalty for paying off an auto loan early.
Ready to Explore Auto Refinancing?
Take the next step toward refinancing your auto loan with FCCU.
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