Auto Loan Refinance

* APR is Annual Percentage Rate. APR shown includes a 1.00% discount on a refinanced auto loan with terms from 12-48 months. Rate discount will be .50% on a refinanced auto loan with terms from 49-84 months. Rates accurate as of 08/04/2026. Rates and terms are subject to change without prior notice. No other promotions or rate discounts apply. State title and registration fees may apply. Floor rate is 4.99% APR. For example, on a $20,000 loan at 4.99% APR for 36 months, you will make 36 payments of approximately $599. Interest will accrue during the deferment period for the 60-day no payment option. $200 Cash back incentive will be deposited into your primary share savings account. Please allow up to 90 days for cash back processing after vehicle loan completes the funding process. Minimum loan amount to qualify for cash back incentive is $20,000. Subject to normal credit, underwriting, and collateral loan-to-value guidelines. Not all members will qualify for the lowest rate, and payment may not be lower for every member. All memberships are subject to approval, and the member account must be in good standing. Must be 18 years old at the time of the loan to qualify. Only vehicles that will receive a Texas title are eligible for this offer. Financing is not available for commercial use vehicles or salvaged or branded title vehicles. Other restrictions apply. Offer valid for eligible auto refinance applications received from August 4, 2026 through October 3, 2026, and must fund within 30 days of application date. This offer does not apply to refinances on existing Firstmark vehicle loans, or for any auto purchases. **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.