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Want to lower your vehicle loan payment?
Applying made easy!

Auto Refinance

Keep your car. Pay less monthly.

Refinance your Auto Loan with Democracy FCU and we’ll cut your rate in half!

Are you tired of paying high-interest rates on your auto loan? We have great news for you! Our Auto Refinance promotion can cut your auto loan rate in half! You could save hundreds or even thousands of dollars over the course of your loan.

Bring us your Auto Loan from another financial institution and we’ll drive down your monthly payment with:

  • Rates as low as 5.00% APR*
  • No payments for 60 days
  • Amounts up to $60,000
  • Terms up to 72 months

Cut my rate in half!


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Additional benefits for peace of mind!

    • Guaranteed Auto Protection - (GAP)
      • GAP is a supplemental benefit that enhances your standard insurance coverage. GAP pays off your loan balance on a financed, or lease vehicle, if it is stolen or damaged beyond repair.
      • GAP waives the difference between your primary insurance carrier’s settlement and the payoff on your loan; it protects the ‘gap’ between your vehicle’s value and the amount you still owe so you can feel confident in knowing your finances and vehicle are protected after an accident. Contact us to learn more and begin applying.
    • Extended Vehicle Warranty

      Unexpected auto repairs can be budget-busting. Having an Extended Warranty with Democracy FCU can give you peace of mind by knowing you can avoid future financial stress due to mechanical breakdown. Protect your vehicle and finances from whatever life throws your way. Email us or request a call back below to get started.

    • Member’s Choice™ Borrower Security*

      Life can be wonderful. But, it can also get complicated when unexpected things happen. Protecting your loan payments against death, disability, or involuntary unemployment could help protect your finances.

      This protection could cancel your loan balance of payments up to the contract maximums. Protect your loan payments today so you can worry a little less about tomorrow.

      Purchasing protection is voluntary and won't affect your loan approval. It's simple to apply. Ask a Democracy FCU Loan Officer about eligibility, conditions, or exclusions.*

    *These products are optional. Insurance products are not a deposit or obligation of or guaranteed by Democracy FCU or its affiliates. These products are not underwritten, issued, insured, or guaranteed by NCUA or any agency of the federal government. Your credit approval cannot be conditioned on whether you purchase any of these insurance products. You may choose to obtain insurance from an entity not affiliated with Democracy FCU.

    Contact Us

    *APR = Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications. Minimum rate offered is 5.00%, regardless of your current loan rate. Maximum payment example: $60,000 for 72 months at 5.00% APR equals payments of $966.55 per month. Certain restrictions apply. Cannot be combined with any other discounts. Vehicle must be model year 2016 or newer. Does not apply to current Democracy FCU auto loans. Promotion expires 6/30/23.