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Refinancing your vehicle loan with PenFed can help you lower your monthly payments, upgrade to lower interest rates or payoff your vehicle sooner.
Vehicle's model year is or newer.
Pre-owned vehicles or vehicles with over 7501 miles.
†Rate valid for model years and newer.
• Save money with lower payments
• Up to 100% financing available
• Finance up to $100,000
Speak with a member service representative to start an Auto Refinance application.
CALL US: 855-278-1157
To receive any advertised product, you must become a member of PenFed Credit Union which includes opening a $5 PenFed savings account.
Rates and offers current as of and are subject to change.
*APR = Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. The rate you receive on your loan will be the rate in effect at the time of loan disbursal.
††Average payment savings of $108 per month was calculated by using the average monthly payment savings for PenFed Members from May 1, 2020–November 30, 2020 who refinanced auto loans.
Refinance Auto Loans: New vehicles are where you are the original owner and the vehicle is a current model year or newer and has less than 7501 miles. For used vehicles, maximum used car loan advance will be determined by PenFed using a NADA value. Up to 100% financing is available to qualified members. PenFed does not permit internal refinances of an existing PenFed auto loan.
Rate depends on term. Vehicle weight and mileage restrictions apply.
You pay $14 less per month with PenFed
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For more information about the relationship between PenFed and PenFed Realty, LLC, see the Affiliate Business Arrangement Disclosure.
For more information about the relationship between PenFed and PenFed Title, LLC, see the Affiliate Business Arrangement Disclosure.