Auto Loan Refinance.
Get a monthly payment that matches your goals with better rates and terms – plus local Arkansas service.
Auto Loan Refinance
If you're not happy with your existing auto loan, we're here to set things right with competitive rates and flexible terms.
Why Refinance Your Auto Loan?
Low, Fixed APR
Save money with a lower interest rate than your original loan.
Flexible Terms
Customize your loan term to fit your monthly budget.
Local Service
Enjoy personalized service through online, phone, or email applications.
Repayment Options
Choose from payroll deductions, autopay, and more for easy payments.
*APR=Annual Percentage Rate. Calculator provides general estimations only. Inconsistencies may occur with the use of the calculator and the outcomes are not credit guarantees. For specific payment and interest information, please contact us. Rates are based on your Trans Union credit score, application, term, loan to value, collateral, etc. There is no prepayment penalty for early payoff.
Refinancing Your Auto Loan is Easy!
Follow these simple steps to get started.
Apply Online
Provide your personal and loan details through our secure online portal.
Agree to New Terms
Upon approval, finalize the loan amount, rate, and term that suits you best.
Get a Check
Receive funds to pay off your old loan and start with your new terms.
★★★★★
Tony Birk helped me obtain an Auto loan from Telcoe recently, it was such a refreshingly easy experience!! will recommend Telcoe to anyone for anything! The Human touch is not lost over there!
– Angie W., Little Rock, AR
Auto Loan Refinance FAQs
How does an auto refinance work?
Auto refinance loans are popular because they offer a chance to get better rates, change your term, and take advantage of friendly, local service compared to other lenders.
Here's how it works:
- You provide your personal information and details of your current auto loan.
- We check you qualify for lower rates and offer you a new loan amount.
- You choose a new loan term that fits your budget – longer terms mean a lower, more affordable payment while shorter terms mean a higher payment so you're debt-free faster.
- We agree on the new auto loan details and you sign the contract via email.
- We give you the funds via check or bank transfer to pay off your old auto loan in full.
- You start making payments on your new, improved auto loan!
What documents do I need for an auto loan refinance?
To refinance you will need to upload the following documents HERE or email them to [email protected]:
- Current Auto Registration
- Insurance Card
- Original purchase/finance contract quoting rate now
- Monthly statement/coupon book/etc where your loan is now to show amounts financed
What vehicles can qualify for a Telcoe FCU auto refinance loan?
You can get auto refinancing for new and used cars or motorcycles that are 2018 or newer.
What rate will I get for my auto loan refinance?
The annual percentage rate (APR) you get will be based on your credit score and credit report. Higher scores get the lowest rates – and all our rates are competitive.
We're a not-for-profit credit union and we want the best for our members. So if your credit isn't in the best shape, you can ask our friendly loan officers for advice on how to improve your credit before you apply for your auto loan refinance.
How can I manage my auto loan?
Once you've become a member of Telcoe FCU, you can use Online and Mobile Banking to check your balance and make payments on your auto loan refinance – as well as enjoy all our other products and services.
So you never have to worry about missing a monthly car payment, you can also choose to use:
- Automatic payments
- Coupon book
- Payroll deduction payments
Contact Us Today!
We're here to help you with your auto loan refinance needs.
Auto Loan Refinance Resources