Auto Loan Refinancing
Why pay more than you should for an auto loan? A quick refinance today could mean big savings tomorrow.
Why Refinance Your Auto Loan?
Lower Interest Rates
Smaller Monthly Payments
Shorter Loan Term
Cash Flow Flexibility
Fast and Simple Process
Lower Interest Rates
Smaller Monthly Payments
Shorter Loan Term
Cash Flow Flexibility
Fast and Simple Process
Anniversary Special - Applies to Refinancing from Another Lender
Our Birthday, Your Gift
We’re celebrating 90 years of serving you! To say thanks, TVFCU is offering a limited-time 90th Anniversary Auto Loan Special to help you drive away with savings.
- Special rates apply to refinances from other lenders
- Rates as low as 3.90% APR for up to 75 months
- No payment for 90 days
- Limited time offer
Know Before You Refinance
Let’s Revisit That Loan
Refinancing your auto loan means replacing your current car loan with a new one—usually from a different lender—with different terms. The new loan pays off your existing loan, and you then start making payments on the new loan instead.
- We return value to members through better rates and fewer fees.
- Don’t wait around. Our streamlined application process helps you get answers sooner.
- No matter your goals, we’ll help you choose a plan that works.
How to Get Started
Ready to Hit the Road?
Follow these simple steps to refinance your loan with confidence.
- Start with our simple online application to receive your pre-approval. It only takes a few clicks, and you'll hear back from us quickly with your loan offer.
- Have questions before you apply? We're here to help. Call us at 423-634-3600.
Frequently Asked Questions
You might consider refinancing if interest rates have dropped, your credit score has improved, or if you need to lower your monthly payments. It can also make sense if you want to pay off your loan faster or remove a co-borrower.
Refinancing may cause a small, temporary dip in your credit score due to the hard inquiry on your credit report. However, consistently making on-time payments on your new loan can help improve your score over time.
With TVFCU, the process is quick and easy. You can apply online in minutes, and most approvals happen within a few business days. Once approved, we’ll handle the rest.
In general, TVFCU does not offer refinancing for auto loans that are already financed with TVFCU. However, if you would like to discuss the possibility of restructuring your auto loan with TVFCU, please contact our loan team at 423-634-LOAN (423-634-5626) and we’ll be happy to help!
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