
Car Loan Refinance
Ready to get on the road?
Thinking about refinancing?
Call Federal is here to help you save with flexible options and expert guidance to make the process simple and hassle-free.
Great Rates
Get the best deal on your car loan refinance including a lower APR and other savings on your current car loan.*
No payments for up to 60 Days
Call Federal charges no fees to refinance and gives you the option to make no payments for 60 days.**
Free Skip-A-Pay
You can choose to skip one monthly payment for FREE when requested within the first 18 months of accepting your loan.***
Flexibility
Refinance your car loan from another lender and keep your current remaining loan term or choose a new term for a different payment.
Resources For Every Step
Protect Your Investment
In collaboration with our partner, we offer valuable payment protection such as Guaranteed Asset Protection Plus and Mechanical Repair Coverage. We also offer solutions such as Debt Protection and Car Insurance.
Easy Payments
Make payments online, by check, over the phone, at your local branch, or by automatic transfer.
Expert Know-How
We’re here to help. Reach out to Call Federal Credit Union for support with any car refinancing needs.
Rates
Term |
APR* |
---|---|
*APR= Annual Percentage Rate. All loans subject to approval. Not all will qualify for approval. Of those approved, not all will qualify for the lowest rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Lowest rate listed assumes top tier credit and all available discounts with our Discount Program. Rates Effective Date: February 1, 2025. |
|
Term Up to 36 Months |
APR* 4.49% |
Term 37 – 48 Months |
APR* 4.49% |
Term 49 – 60 Months |
APR* 4.49% |
Term 61 – 72 Months |
APR* 4.74% |
Term 73 – 84 Months |
APR* 5.24% |
Term |
APR* |
---|---|
*APR= Annual Percentage Rate. All loans subject to approval. Not all will qualify for approval. Of those approved, not all will qualify for the lowest rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Lowest rate listed assumes top tier credit and all available discounts with our Discount Program. Rates Effective Date: February 1, 2025. |
|
Term Up to 36 months |
APR* 5.24% |
Term 37 – 48 months |
APR* 5.24% |
Term 49 – 60 months |
APR* 5.24% |
Term 61 – 72 months |
APR* 5.74% |
Term 73 – 84 months |
APR* 6.24% |
Rate Discount Program
Good deeds mean great discounts at Call Federal.
Loyalty Discount
Members who have originated a consumer loan (personal, vehicle, or leisure) within the last 7 years or have been with the credit union for 10+ years are eligible for a Loyalty discount of .50%
Education Discount
Education discount of .50% for completing one of the qualifying courses available in our Money & Beyond Portal and providing the certificate of completion at loan application. Contact us for more details.
Automatic Transfer Discount
Automatic transfer discount of .25% for members who set up an auto transfer payment from a Call Federal checking account. If the member receives this discounted rate but discontinues the auto transfer service, the loan rate can be automatically be adjusted accordingly.
Our rate discount program is made up of three options. Loyalty discount of .50% with Call Federal loan origination within the last 7 years or membership history of 10 years or more. Education discount of .50% for completing one of the qualifying courses available in our Money & Beyond Program and providing the certificate of completion at loan application. Automatic transfer discount of .25% for members who set up an auto transfer payment from a Call Federal checking account. If the member receives this discounted rate but discontinues the auto transfer service, the loan rate can be automatically adjusted accordingly. The two discounts for .50% cannot be combined. max rate discount of .75%. All of these discounts are only available at the time the loan is processed.
Run your numbers
Use our free calculators to get the figures on your re-fi.
Product | Term (months) | Rate | Amount | Payment |
---|---|---|---|---|
New Vehicle | 72 | 6.49% | $45,000 | $759 |
Used Vehicle | 60 | 6.49% | $25,000 | $491 |
Leisure Vehicle | 60 | 7.00% | $10,000 | $199 |
Leisure Vehicle (Boat) | 60 | 8.75% | $15,000 | $311 |
Recreational Vehicle | 60 | 7.50% | $25,000 | $503 |
Personal Loan | 36 | 9.75% | $5,000 | $162 |
Estimate your monthly auto loan savings
Enter information about your current auto loan and what you’d like to borrow, and we’ll estimate how much you could save refinancing with us.
Calculated payments shown are for estimation purposes only. Actual loan payment amount will be disclosed at loan closing and may differ.
Need A Little More Information?
At Call Federal Credit Union, there are three ways to apply for a car loan: an online application, by phone when you call 804.274.1200, or in person at your local branch.
Call Federal offers 3 free CARFAX® vehicle history reports for our members with a car loan in the works. Submit this form and our team will provide you with what you need.
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There are a few scenarios when refinancing makes sense. Maybe you decide you can pay a little more to own your car more quickly, or maybe you need a lower payment to free up some cash.
Whatever the reason for your car loan refinance, Call Federal’s team of savvy lending specialists will make sure you get the best option for your financial goals.
- Available to refinance your auto loan from another lender.
- No fees to refinance.
- Find out if you can get a lower APR* and save on total interest.
- Keep your current remaining loan term or choose a new term for a different payment.
- Loan terms can be 36 to 84 months.
- Vehicle must be 10 years old or newer.
- Rate discounts available up to 0.75%:
- 0.50% Loyalty Discount
- 0.50% Education Discount
- 0.25% Automatic Transfer Discount
- Make payments by automatic transfer, online transfer, by check, or over the phone.
- Option to make no payments for 60 days.**
It’s easy to land a better deal
We take auto refinancing seriously but make it simple as possible.
Apply Online
Provide details about your existing auto loan in our online portal to get started.
Compare Offer
We’ll offer you a new loan amount and rate for your chosen term and you can decide if a refinance makes sense.
We Pay Off Your Loan
Call Federal will pay your current lender and you will be on your way to a new and improved auto loan payment.
Apply Now
To apply for your car loan refinance, use the link below or visit a branch to get started.
We’re here to help!
Call Federal is here to help with your car loan refinance. Reach out to us today for more information and for more information and expert guidance to meet your needs.
Disclosures
-
**First payment delay up to 60 days. Loan will continue to accrue interest. Deferring loan payment will extend the term of the loan. .***Skip payment offer available for first skip payment within 12 months of loan origination. Conditions apply. Refer to the Skip-A-Pay Request Form for details.