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Auto Loan Refinance

Lower your rate and monthly payment with Floridacentral.

Refinancing your auto loan could help you lower your interest rate, reduce your monthly payment, or save money over the life of your loan. For a limited time, eligible borrowers can take advantage of rates as low as 4.99% APR1 when refinancing an auto loan from another financial institution.

Qualified borrowers can also enjoy no payments for the first 90 days2, giving their budget additional flexibility while beginning to save. 

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CALCULATE YOUR SAVINGS 

Save with Today’s Lower Rates

If your current auto loan is financed through another lender, refinancing with Floridacentral may help you secure a lower rate, reduce your monthly payment, or pay less interest over the life of your loan. For a limited time, eligible borrowers can also take advantage of our special refinance offer and 90-day payment deferment.

Offer Features

  • Rates as low as 4.99% APR1
  • No payments for the first 90 days2
  • Quick, local loan decisions
  • Personalized service throughout the refinancing process
  • Apply online or visit your nearest branch

A Credit Union That Puts Members First

Refinancing is about more than getting a lower rate. As a member-owned credit union, Floridacentral provides local lending decisions, personalized service, and digital banking tools that make managing your loan easier throughout its life.

Membership Has Its Benefits

  • Simple membership process for eligible borrowers
  • Local lending decisions and personalized service
  • Convenient Online and Mobile Banking
  • Access to competitive savings, checking, credit card, and loan products
  • Financial guidance from a team that understands the Florida communities we serve

Estimate Your Monthly Payment 

Use our refinance calculator to compare your current loan with a potential Floridacentral loan and estimate how much you could save each month. 

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Auto Loan Refinance FAQs

Have questions about refinancing your vehicle? We’re here to help.

Refinancing may help you lower your interest rate, reduce your monthly payment, or save money over the life of your loan, depending on your qualifications and loan terms.

Yes. Floridacentral can refinance eligible auto loans currently financed through another financial institution.

Refinancing may make sense if interest rates have decreased, your credit has improved, or you’re looking to lower your monthly payment or adjust your loan term. Our lending team can help you determine whether refinancing is a good option for your situation.

No. Refinancing replaces your existing loan with a new loan from Floridacentral—you keep the vehicle you already own.

Use our refinance calculator to compare your current loan with our refinance offer and estimate your monthly payment and interest savings.

Complete your application online or visit a Floridacentral branch to speak with a lending specialist. We’ll review your current loan and help determine whether refinancing could save you money.

We’re here to answer your questions about auto loan refinancing and help you determine whether refinancing is the right choice for your financial goals.

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Disclosures

1 4.99% Annual Percentage Rate (APR) is effective as of September 30, 2026 for terms up to 84 months. An 84-month loan with a 4.99% APR would have a monthly payment of $14.14 per thousand dollars borrowed. Approval is based on individual applicant’s creditworthiness, year, make, model and mileage of vehicle. Not all will qualify. This offer applies only to auto loan refinances from other financial institutions: existing Floridacentral loans are not eligible. Refinance requests involving change in ownership are excluded. This offer cannot be combined with other promotions. Membership eligibility required. This offer subject to change or end without notice. Rate may be higher for LTV over 125%

2 Interest accrues during the 90-day no payment period.