Scam Alert: Fraudsters are impersonating Firstmark and asking members to send money to resolve fraudulent transactions. Firstmark will never ask for your PIN, password, credentials, or request that you send money via a P2P payment. Please protect your account and stay alert to these scams.
Lower your rate. Lower your payment. When you refinance your vehicle with Firstmark Credit Union and meet qualifying requirements.
It’s your car. We’re just making the loan smarter.
Lower your monthly auto payment — rates as low as 4.99% APR*
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.
Many car owners save over $100 per month by refinancing their car loan with Firstmark Credit Union.
For a limited time, qualified borrowers may receive:
Our team is here to help every step of the way — whether you apply digitally or prefer in‑person support. Call 210.442.0199 or visit firstmarkcu.org/locations to find your closest branch location or get details on your estimated monthly savings amount.
Use this calculator to compute the payment amount** by adjusting the amount, rate, and terms.
* 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. 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. 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.
Firstmark has been named a Best Place to Work for five years in a row!
Whether you’re just getting started or ready to apply, these tools can help you feel more confident along the way.
