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Save money, pay your loan off faster with an auto refinance loan starting at 6.05% APR1.

Apply online

We won't treat you like a bank. We'll treat you like a member.

Affinity is a credit union—a not-for-profit financial cooperative that exists to serve members because we're owned by our members. When you finance or refinance a car with Affinity, there are no application fees or prepayment penalties—and we'll even give you a 0.25% APR rate discount1 for setting up automatic monthly payments.


Lower your APR

Did you get financing through a car dealer? Our member-only auto refinancing rates could be significantly lower.

Save money every month

With a lower interest rate, you may be able to save money on your monthly payment.

Pay off your auto loan sooner

Choose a shorter payment term to lower your rate further – and own your car sooner.


Join our credit union
Our finance rates and other banking resources are only for members. Joining is easy: Join online or call us at 800.325.0808.
Apply for an auto refinance loan
Once you're a member, choose a term between 24 and 84 months, then apply online.
Lock in your new lower rate
Once approved, we'll take care of paying off the existing loan. To save even more, see if we can help you get auto insurance.

Frequently asked questions about auto loans

Who can apply for auto refinance loans?

You must be an Affinity Federal Credit Union member and be 18 years of age or older.

Why should I consider a refinance loan?

There are generally two reasons to refinance an auto loan:

  1. It can reduce your monthly loan payment, compared to the original auto loan, by lowering your interest rate and/or extending the loan term.
  2. It may help you lower the total amount of interest you pay over the life of the loan.
Is there a prepayment penalty if I pay my loan off early?

No. Affinity does not charge prepayment penalties on auto loans.

When is the best time to refinance a car loan?

Generally speaking, the sooner you refinance at a lower interest rate, the more you'll save. When interest rates drop or your credit score increases, it's a good time to look into refinancing your vehicle

Can you refinance with bad credit?

It depends on your individual situation. If you want to refinance but are concerned about your credit scores and qualifying for a loan, call us at 800-325-0808.