Vehicle Refinancing

Car refinancing help you keep the vehicle you love — and save more

Refinancing a vehicle loan from another institution to RBFCU can be a great way to save on the vehicle you already own. By refinancing your vehicle, you could:

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Save money

By refinancing from another institution to RBFCU at a lower rate, you could potentially cut thousands from the final cost of your vehicle. On average, members save $1,583!1

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Choose a loan term that works for you

Reduce the time needed to pay off your loan by shortening the term and refinancing with RBFCU or extend the term for smaller payments.

Car with a dollar sign on it

Make your equity work for you

Use the equity in your vehicle as a quick, easy way to borrow money at a low rate.


How do I refinance my vehicle?

1. Fill out your application

If you choose to refinance with RBFCU, you’ll submit an application with the details regarding your vehicle, your personal information and your finances.

  • Information about your current vehicle — vehicle identification number (VIN), make, model, year and mileage
  • How long you want to finance your loan (term length)
  • Your current employment and income information
  • Contact information (phone number and email)
  • Information about any joint borrowers you would like to include on the auto loan (including date of birth, address, income and employment, Social Security number and contact information; if applicable)

2. Review your offer

RBFCU will contact you regarding your application and provide information about the approved rate, term and amount. You can review these options and then choose to accept the loan.

3. Complete your paperwork

When you’re ready to finalize, you’ll need to electronically sign your paperwork or visit an RBFCU location to complete the loan process.

Auto Loan - 66 month
Motorcycle Loan - 60 month
RV Loan - 60 month
ATV, Personal Watercraft, UTV Loan - 60 month

Refinancing Calculators

  • How long should I keep a vehicle?
  • Which vehicle loan is better?
  • What term of vehicle loan should I choose?
“We wanted to refinance our auto loan, so we went online, filled out the application and within 24 hours, RBFCU sent us an answer."

Refinancing FAQs

For qualified members only. Auto loans are subject to credit review and approval. Rates are subject to change without notice. Some restrictions may apply. For complete details, contact the Consumer Lending Center.

1Amount based on annual savings according to members who were pre-approved based on credit score and other factors. Savings are not guaranteed and will vary based on qualifying criteria.