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Auto Loans Refinance
Refinance Your Auto Loan
If your auto loan is a few months old, it could be worth a second look. Refinancing might lower your payment — or help your loan fit your life better now.
Enjoy rates as low as 4.29% APR1 for qualified new vehicle external refinances and 4.44% APR1 for qualified used vehicle external refinances — that means loans you started somewhere else and have had for at least 90 days.
Why Refinance With APGFCU?
No APGFCU fees to refinance2
Flexible terms up to 84 months3
No payments for up to 90 days4
Earn a cash bonus of up to $200 on qualifying refinances*
Ready to Refinance? See How It Works.
Review Current Loan and Eligibility
Check your current auto loan terms.
Refinance Your Current Auto Loan
Start an application online or talk with a local expert.
Payoff Made Easy
We handle the payoff so you don’t have to.
Auto Insurance and Service Benefits
Auto Loans FAQs
- When should I refinance my car?
Refinancing a car can save you money, but only if the timing and numbers make sense. Here’s a clear way to decide when you should refinance your auto loan.
- Interest rates are lower than when you bought your vehicle.
- Your credit score is better.
- Your monthly payment is too high.
- You didn't get a great deal at the dealership.
- You still owe more than the car is worth, but not too much.
- Does APGFCU charge refinance fees?
APGFCU does not charge refinance fees.
- How does the refinance discount work?
The advertised APR assumes eligibility for an external refinance discount, which is available when the existing loan has been open for a minimum of 90 days. The rates stated reflect approved credit with automated payments from an APGFCU account and may differ based on loan term, model year, and individual credit profile.
For new auto loans, the minimum APR is 4.29%, and the maximum APR is 15.59%. Payment Example 1: A new auto loan of $30,000 for 36 months with automated payments at 4.29% APR would result in a monthly payment of $889.59.
For used auto loans, the minimum APR is 4.44%, and the maximum APR is 17.09%. Payment Example 2: A used auto loan of $20,000 for 36 months with automated payments at 4.44% APR would result in a monthly payment of $594.40.
The payment examples are for illustrative purposes only and are based on the lowest available APR; actual rates and payments may vary.
- Are insurance and GAP available?
Yes. Insurance benefits and GAP coverage are available with refinance loans.
- Where can I find a car dealership to get a better deal on my next vehicle purchase?
At APGFCU, we’ve partnered with over 90 dealerships across Maryland and Delaware to maximize your chances of receiving optimal financing on new and pre-owned vehicles, motorcycles, and RVs. To take advantage of credit union pricing, simply:
- Choose your vehicle’s make and model
- Visit a participating dealership as an APGFCU member
- Negotiate the price and take advantage of any available rebates or discounts
- Apply for a low-rate credit union auto loan in the dealership — insist on using APGFCU
If approved, the dealership will complete the paperwork and send it to us for funding, while you drive off that day in your new vehicle.
Looking for a better deal on your next vehicle purchase? AutoSMART offers the information and resources you need for a stress-free car-buying experience.
Need Help With an Auto Loan? Get in Touch!
For more information about or help with auto loans:
Auto Loans Disclosures
*Cash bonus amount is based on the outstanding loan balance as of the 90th day after the loan account open date, as reflected in APGFCU’s core system. Bonus tiers are as follows: $10,000–$19,999.99 = $50; $20,000–$29,999.99 = $100; $30,000–$39,999.99 = $150; $40,000 or more = $200. Loans with a balance below $10,000 as of day 90 are not eligible for a cash bonus. Limit one bonus per qualifying loan. The bonus will be deposited into the member's APGFCU savings account after all eligibility requirements are verified, typically following the 90-day qualification period. All loan and deposit accounts must remain open and in good standing at the time the bonus is paid. APGFCU reserves the right to modify or discontinue this promotion at any time without notice. Membership eligibility and loan approval required. Other terms and conditions may apply.
Offer valid for auto external refinance loans opened and funded between September 1, 2026, and October 31, 2026.
Internal refinances and existing APGFCU loan balances are not eligible. Loans must represent new credit extended by APGFCU. Certain loan purpose types are excluded, including but not limited to collection maneuvers and death claim-related loans.
1Rates stated reflect approved credit with automated payments from an APGFCU account and may differ based on loan term, model year, and individual credit profile. The advertised APR assumes eligibility for a 0.50% external refinance discount. which is available when the existing loan has been open for a minimum of 90 days.
For new auto external refinance loans, the minimum APR is 4.29%, and the maximum APR is 15.59%. For used external refinance auto loans, the minimum APR is 4.44%, and the maximum APR is 17.09%. Payment Example 1: A new auto external refinance loan of $30,000 for 36 months with automated payments at 4.29% APR would result in a monthly payment of $889.59. Payment Example 2: A used auto external refinance loan of $20,000 for 36 months with automated payments at 4.44% APR would result in a monthly payment of $594.40. Examples are for illustrative purposes only and are based on the lowest available APR; actual rates and payments may vary.
2APGFCU does not charge a refinance fee on auto loans.
384-month term financing is available on vehicle loans of $20,000 or greater, subject to credit qualification and vehicle eligibility. Longer loan terms may increase the total amount of interest paid over the life of the loan. Certain restrictions apply.
4Qualified borrowers may defer their first payment for up to 90 days. Interest accrues from the disbursal date. The deferred payment option is not available for refinances of existing APGFCU auto loans. For refinances from another lender, the existing loan must have been open for at least 90 days to qualify. Some restrictions apply. Not all applicants will qualify for the 90-day deferred payment.