Auto Refinancing

happy car owner driving in refinanced vehicle

Refinance Your Car, Truck, Boat, and RVs


Refinancing your car loan from another institution to Florida Credit Union can help you save money on the vehicle you already own. You could potentially cut thousands from the final cost of your vehicle, drastically reduce your monthly payment, and reduce or extend the refinancing term to better suit your financial needs. 

Why Refinance with FCU

Refinancing your auto loan can have many benefits such as:

  • Rebate of up to $400¹
  • Get cash out
  • Reduce your payment
  • Save on interest reduce or extend term options

Three Easy Steps to Refinancing!

If you're ready to get a better deal on your auto loan, the application process is quick and easy. To refinance your vehicle, you'll need to:

Fill out your application online or in a branch
Review your offer and complete your paperwork
Save more money on your auto loan from FCU

Get Started Today!

Online Loan Application

Complete an application online to get started

Apply Now
Call 800-284-1144

Get connected with a FCU service representative

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Visit Us!

We have 12 locations in north and central Florida

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Vehicle Loan Comparison Calculator

Vehicle Loan FAQs

There are many convenient and safe options for you to make a payment on your FCU loan. View your available payment options here.
Florida Credit Union does finance electric vehicles.
To obtain the payoff for your FCU auto loan, contact us!
You can submit proof of insurance on our partner website using your reference ID number. Once on the site, click the Enter Reference ID button located on the top right of the screen. If you don’t have your reference ID, you can click Don’t have an ID? to look up your loan by using your name, zip code, and VIN number.
It takes only minutes to get approved for an auto loan at Florida Credit Union!
Yes! Credit scores are only one of a few metrics our loan officers look at when considering loan applications.
You will need a statement from your auto loan at your current lender. If applying online, more information will be requested once you have been approved.
A co-signer is someone who agrees to be responsible to pay a debt if the primary borrower fails to make the loan payments. Having a co-signer on your loan gives FCU additional assurance that the loan will be repaid.


Subject to credit approval. 

1. Existing FCU vehicle loans are not eligible for refinancing. Rebate based upon total loan amount. Cash back bonuses are considered interest and will be reported on IRS form 1099-INT.