- Auto Refinance
See if we can lower your monthly auto loan payment.
If your auto loan is financed with another bank or credit union, see how we measure up by taking the "Lower My Payment" Challenge below. You'll get an instant estimate for your monthly auto loan payment*. We offer competitive rates along with multiple perks including an Extended Warranty, Guaranteed Asset Protection (GAP), and periodic Skip-A-Payment options. And, when you refinance you'll have no payments for up to 60 days!
Are you ready for the challenge? We are. Start below and see what your payment could be.
Put us to the test. Take the "Lower My Payment" Challenge.
*This tool is for illustrative purposes and is provided solely as a convenience for you to estimate payments based on your assumptions for term, credit score, and loan amount. Your actual payments may differ from the payments provided by this calculator as a result of using different loan amounts, vehicle value, terms, and rates based on our pricing and underwriting policies and procedures. Actual terms will be provided after you complete the application process. We are not responsible for the accuracy, completeness, or usefulness of the information provided by this calculator, and we have no obligation to match your terms to the terms provided by this calculator. Membership and credit eligibility are required.
Like what you see? Choose an option below to easily refinance your loan.
910.577.7333 or 800.225.3967, Monday - Saturday 8:00 a.m. - 6:00 p.m. ET.
No Payment For Up To 60 days!
When you refinance with us, you tell us when you would like to make your loan payment. We can schedule it to line up with your next paycheck and defer your first payment up to 60 days if you choose. Once you decide on when your payment will be, you can easily set-up recurring payments in Online Banking (MFCU@Home), or make a simple transfer in our mobile app.
Vehicles today are growing extremely complex. They contain high-tech sensors, electronics, and computers that frequently suffer unexpected failure and need to be replaced. One-in-three vehicles experience a mechanical breakdown in a given year ranging from $500 - $5,000. With our Extended Warranty, you'll be safeguarded from unexpected repair costs that can be up in the thousands of dollars should your vehicle experience a failure after the manufacturer's warranty expires.
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We understand unexpected things happen, and you don't always have the funds available to pay for emergencies when they come up. We offer a skip-a-payment option that you can take advantage of as long as your loans and accounts are in good standing. This way when those emergencies happen, you can get a break from at least one of your monthly bills. This feature is available both in Online Banking (MFCU@Home) and our mobile app.
Guaranteed Asset Protection (GAP)
If your vehicle is totaled in an accident, GAP pays the difference between the balance owed on your loan and the amount the insurance company pays. Marine FCU has enhanced GAP coverage to include Auto Deductible Reimbursement. Auto Deductible Reimbursement is just what it sounds like ... it reimburses your insurance deductible up to $1,000 per year! GAP can be purchased at a low, one-time cost that can be added into your vehicle loan.
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