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Drive Down Your Rate

Drive Down Your Auto Payments. Free Up Your Budget.

You’re pre-qualified to refinance your auto loan and save big!1
Apply Online in Minutes

Why Refinance with Firstmark?

It’s your car. We’re just making the loan smarter.

  • 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).
  • We have solutions to lower your monthly auto payment or get a cash-out refi! Give us a call or visit your nearest branch to have us walk through your options.
Refinance Now

What Could Refinancing Look Like?

Many Firstmark members save approximately $100/month by refinancing their car loan, and they don’t even have to switch cars. Here’s how it can work:
Before After
High-interest loan from another lender Lower rate with Firstmark
Monthly payment stretching your budget Monthly payment with breathing room
Uncertain or high-cost vehicle and payment protection Peace-of-mind with low-cost vehicle or payment protection
Payments due next week No payment for 60 days
These are typical scenarios. Your savings could be just as rewarding. Apply to find out.

You’re Already Pre-Qualified to Save. Let’s Get Started!

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.

Calculate Your Payment

Use this calculator to compute the payment amount2 by adjusting the amount, rate, and terms.

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  1. No other promotions or rate discounts apply. State title and registration fees may apply. The maximum interest rate for this offer is 17.99% APR and the minimum approved loan amount is $10,000. Subject to credit approval. Existing Firstmark Credit Union (Firstmark) auto loans are ineligible for refinance. Not valid for auto purchases. Current loan information is an estimate based in data in your credit report. Estimated savings may vary depending on individual creditworthiness, loan balance, and remaining term.OTHER TERMS AND CONDITIONS: Must be a current member of 18+ in good standing. Limited-time offer. Rates, terms and conditions are as of 04/16/2026. Application must be received by May 17, 2026, to qualify. Rates and the offer are subject to change without notice. If rates change, your rate will be based on the rate offered to members with similar credit scores at the time of the loan. Only vehicles that will receive a Texas title are eligible for this offer. Other restrictions may apply based on criteria such as income, loan-to-value, and credit history. This offer may be withdrawn if the vehicle’s value results in a Loan-to-Value (LTV) ratio that exceeds Firsmark’s limits. Actual payments may vary based on your individual situation and current rates. Financing is not available for commercial use vehicles or salvaged or branded title vehicles. Firstmark offers a wide variety of loan options. You may still qualify for a loan even if your situation has changed.This pre-qualified credit offer may not be extended if: (1) you no longer meet the minimum credit score and payment criteria used to select you for this offer; (2) you are delinquent on a loan or not in good standing with Firstmark; (3) we are unable to verify your income or employment; (4) your employment and/or income in our opinion and according to our established criteria is not sufficient to repay the credit offered; or (5) the collateral does not meet our lending guidelines. Full vehicle coverage with comprehensive and collision is required for auto insurance and is a condition of the loan.
    PRESCREEN & OPT-OUT NOTICE: This “prescreened” offer of credit is based on information in your credit report indicating you meet certain criteria. This offer is not guaranteed if you do not meet our criteria, including providing acceptable property as collateral. If you do not want to receive prescreened offers of credit from us and other companies, call Equifax toll-free at 1-888-5OPTOUT; or write: Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123 https://www.firstmarkcu.org/auto-loan-refinance/ for full details.
  2. 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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