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Refinance

Auto Loan Refinance

Switch gears on your high auto loan payment with another financial institution by refinancing with AgFed! Apply today to learn how our easy refinancing process could lower your monthly payments and save you money.

Features of Auto Loan Refinance:

Enjoy the savings of lower monthly loan payments
Financing options on cars, trucks and SUVs up to 9 model years old
Convenient payment options include Online Banking and Mobile Banking
Low cost GAP and Member Loan Protection available
Calculate your savings with our Auto Loan Calculator

Apply by phone at 888-451-5626, online or by visiting any branch.

Vehicle Loans

New Cars, Trucks, & Vans**

Model Year	Loan Type	Term	APR ⁽¹⁾as low as
2019 - 2020	Fixed	Up to 36 months	2.14%
2019 - 2020	Fixed	Up to 48 months	2.74%
2019 - 2020	Fixed	Up to 60 months	2.89%
2019 - 2020	Fixed	Up to 72 months	2.99%
2019 - 2020	Fixed	Up to 84 months	4.49%

Example payment: The estimated monthly payment for a $20,000 new auto loan with a 60 month term at a rate of 2.89% APR is $358.42.

Used Cars, Trucks, & Vans**

Model Year	Loan Type	Term	APR (1) as low as
2014 - 2018	Fixed	Up to 36 months	2.99%
2014 - 2018	Fixed	Up to 48 months	3.74%
2014 - 2018	Fixed	Up to 60 months	3.89%
2014 - 2018	Fixed	Up to 72 months	3.99%
2016 - 2018	Fixed	Up to 84 months	5.49%

Example payment: The estimated monthly payment for a $20,000 used auto loan with a 60 month term at a rate of 3.89% APR is $367.37.

Older Used Cars, Trucks, & Vans***

Model Year	Loan Type	Term	APR ⁽¹⁾as low as
2011-2013	Fixed	Up to 60 months	6.50%

Example payment: The estimated monthly payment for a $20,000 older used auto loan with a 60 month term at a rate of 6.50% APR is $391.37.

(1) APR is Annual Percentage Rate. AgFed reserves the right to change the published rate at anytime without advance notice. Rate may vary as it is determined by an evaluation of credit, amount, term and other factors. Term is determined by loan amount. Actual rate may vary. All loans are subject to credit approval.

** New vehicles are the 2 latest model years, currently 2019 and 2020. Used vehicles are currently 2014 model year to 2018 for terms up 72 months and 2016 model year to 2018 for terms up to 84 months. Financing is available up to 125%. Minimum loan amount for 72 month term is $30,001.00. Minimum loan amount for 84 month term is $40,001.00.

*** Older used vehicles are the 3 oldest model years, currently 2011 to 2013. Financing is limited to $50,000.00 and loan terms cannot exceed 60 months.

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