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Auto Loan Refinance

Rates as Low as 4.99% APR. Refinance Your Auto Loan & Get $200 Cash Back1

Lower your rate. Lower your payment. Plus, receive a $200 cash-back deposit when you refinance your vehicle with Firstmark Credit Union and meet qualifying requirements.1 Limited-time offer!

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Calculate Your Savings

Why Refinance with Firstmark?

It’s your car. We’re just making the loan smarter. Plus, you can enjoy $200 cash back for whatever’s next!¹

  • Lower your monthly auto payment — rates as low as 5.49% APR¹

  • Have extra equity in your car? Ask about getting cash-out when you refi with us.

  • No payments for 60 days

  • Friendly, local service with quick applications online, in-person or by phone

  • Extra protection options for your car (ask us about vehicle and payment protection)

    Apply online in minutes and see how much you could save.

Refinance Now

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Auto-Refi

Save More Every Month Rates as Low as 4.99% APR + $200 Cash Back1

Many car owners save over $100 per month by refinancing their car loan with Firstmark Credit Union.

Refinance and Receive Extra Savings1

For a limited time, qualified borrowers may receive:
  • 1.00% rate reduction on terms from 12–48 months
  • .50% rate reduction on terms from 49–84 months
  • $200 cash-back incentive

Minimum loan amount to qualify for cash back incentive: $20,000

Refinance Now

Auto Refinance Made Simple

Our team is here to help every step of the way — whether you apply digitally or prefer in‑person support.

Apply Online

Call 210.442.0199 or visit firstmarkcu.org/locations to find your closest branch location or get details on your estimated monthly savings amount.

How Much Could You Save?
See the Difference Refinancing Can Make

Use this calculator to compute the payment amount3 by adjusting the amount, rate, and terms.

per month
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  1. APR is Annual Percentage Rate. APR shown includes a 0.50% discount for Power of the Dollar® MAX checking account holders. APR will increase by 0.50% if applicant does not have a Power of the Dollar® MAX checking account. Applicant may be eligible for additional discounts. Rates accurate as of 07/24/2026. Floor rate is 5.24% APR. For example, on a $10,000 loan at 5.49% for 36 months, you will make 36 payments of approximately $302. Subject to normal credit, underwriting, and collateral value guidelines. Rates and terms are subject to change without prior notice. Interest will accrue during the deferment period for the 60-day no payment option. Other restrictions apply. This offer does not apply to existing Firstmark vehicle loans. An additional 2% will be added to the qualifying APR for all title secured loans up to 66 months
  2. APR is Annual Percentage Rate. 0.50% discount is for Power of the Dollar® Plus or Power of the Dollar® MAX checking account holders. Additional 0.25% discount available for education and military members. For illustration purposes only: a $10,000 loan with a 66-month term and excellent credit would have a 5.24% APR, which would give you 66 monthly payments of $175.
  3. The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.
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