Hand hanging outside of car window

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.

 

Percentage Sign with Down Arrow

Great Rates

Get the best deal on your car loan refinance including a lower APR and other savings on your current car loan.*

No Fees

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.**

No Fees

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.***

Computer

Flexibility

Refinance your car loan from another lender and keep your current remaining loan term or choose a new term for a different payment.

Education

Resources For Every Step

Call Federal is home to full service opportunities — our lending team is here to help at every step of car loan refinancing, with calculators, TrueCar, and CarFax available.****

Briefcase

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.

Money Transfer

Easy Payments

Make payments online, by check, over the phone, at your local branch, or by automatic transfer.

ATM

Expert Know-How

We’re here to help. Reach out to Call Federal Credit Union for support with any car refinancing needs.

Rates

New Car Loans: 2021 – Newer Model Years

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 ProgramRates 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%

Used Car Loans: 2016 – 2020 Model Years

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 ProgramRates 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.

Checkmark

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%

Calculator

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.

Money Transfer

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.

"*" indicates required fields

Name * Required
This field is for validation purposes and should be left unchanged.

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.

Number 1

Apply Online

Provide details about your existing auto loan in our online portal to get started.

Number 2

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.

Number 3

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.

Apply Now

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.

Apply Online
Get Started
Visit Us
Locations
Call Us
804.274.1200

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.