Get a Loan From the Place You Own
Save Big With an Auto Refinance
As a member owner, you have been pre-approved1 for an auto refinance. With rates as low as 6.74% APR2, Firstmark may help you lower your interest rate, decrease your monthly payment or both! Plus, you could get up to $5003 in cash back!
This exclusive offer is good through May 31, 2022.
Refinance Benefits:
- Rates as low as 6.74% APR
- Get 1% cash back, up to $500
- No payments for 60 days
- Terms up to 84 months
- Refinance to use the equity in your car
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What Our Members Are Saying
"Angela has been very helpful and very patient with me on finding the best loans that will help me. I don’t know where I would be without her help. She’s so amazing! - Trish R. (Member Since 1989)
Is a Refinance Right For You?
When you refinance an auto, you are taking out another loan with new terms. Here are some reasons why a refinance might be right for you.
Enjoy Lower Rates - When rates are low, you should consider refinancing to lower your rate. A lower rate can mean lower payments each month and paying off your loan sooner.
Lower Your Payment - When you lower your payments each month, you're saving more money over time.
Shorten Loan Terms - If your credit situation has improved, you might be able to pay off your loan faster.
Recapture Vehicle Equity - Use your vehicle's equity to pay down debt. If the amount owed on your existing loan is less than the value, then you can use that equity to pay down higher interest debt for unexpected expenses.
Calculate Your Payment
Use this calculator to compute the payment amount4 by adjusting the amount, rate and terms.
- This “prescreened” offer of credit is based on information in your credit report indicating that 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 this and other companies, call Equifax toll-free at 1-888-5OPT OUT; or write: Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123.
- Annual Percentage Rate. Rates accurate as of June 26, 2023. Floor rate on auto loans is 6.74% APR. Subject to normal credit, underwriting and collateral value guidelines. Rates and terms are subject to change without prior notice. Other restrictions may apply. This offer does not apply to existing Firstmark vehicle loans. On vehicles over 6 years old, add 1.00% to the above listed rates. Vehicle means auto, light trucks, boats, motorcycles, and RVs. Example: With a 66-month term, $25,000 auto loan at 6.74% APR, with 60 days to first payment you would make monthly payments of approximately $406.82. We may offer other rates in the future.
- Additional Information | 60 Days No Payment option will extend your loan by two (2) months, and finance charges will accrue on unpaid principal. Cash back is 1% of loan balance up to $500. Cash back incentive program is only available for auto loans not currently financed with Firstmark Credit Union. Cash back will be in the form of a check, mailed to the address on file. Please allow 60 days for processing. Minimum loan amount to qualify for cash back is $10,000. Loan approval is subject to Firstmark Credit Union lending policies and vehicle loan-to-value guidelines. Vehicle terms are based on the amount financed. Not all members will qualify for the lowest rate and payment may not be lower for every member. Member account must be in good standing. Must be 18 years old to qualify. If we find out that you do not meet the criteria, we will be unable to extend this offer. Additional loan terms may be available. This offer is valid through May 31, 2022. Not valid for 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.
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