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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.

Plus, receive a 0.15% Rate Discount if the Auto Loan is Funded within 7 Days!*

Apply for a Loan

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
2024 - 2025	Fixed	Up to 36 months	4.64%
2024 - 2025	Fixed	Up to 48 months	4.89%
2024 - 2025	Fixed	Up to 60 months	5.14%
2024 - 2025	Fixed	Up to 72 months	5.99%
2024 - 2025	Fixed	Up to 84 months	6.74%

Example payment: The estimated monthly payment for a $20,000 new auto loan with a 60-month term at a rate of 5.14% APR is $378.70.

Used Cars, Trucks, & Vans**

Model Year	Loan Type	Term	APR (1) as low as
2019 - 2023	Fixed	Up to 36 months	5.14%
2019 - 2023	Fixed	Up to 48 months	5.64%
2019 - 2023	Fixed	Up to 60 months	6.14%
2019 - 2023	Fixed	Up to 72 months	6.49%
2020 - 2023	Fixed	Up to 84 months	7.24%

Example payment: The estimated monthly payment for a $20,000 used auto loan with a 60-month term at a rate of 6.14% APR is $387.94.

Older Used Cars, Trucks, & Vans***

Model Year	Loan Type	Term	APR ⁽¹⁾as low as
2016-2018	Fixed	Up to 60 months	6.99%

Example payment: The estimated monthly payment for a $20,000 older used auto loan with a 60-month term at a rate of 7.49% APR is $400.65.

(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.

*Rate discount offer of 0.15% will be applied based on the applicant's qualified rate. The loan must be funded within seven (7) business days to qualify for rate discount offer. Offer does not apply to AgFed internal refinances, previously funded auto loans or any auto loans funded after the seven (7) business days period. AgFed reserves the right to amend or withdraw this offer at anytime without prior notice. Certain restrictions and conditions may apply.

** New vehicles are the two (2) latest model years, currently 2023 and 2024. Used vehicles are currently 2018 model year to 2022 for terms up 72 months and 2019 model year to 2022 for terms up to 84 months. All advertised Auto loan rates reflect financing at 100% LTV. Financing is available up to 125% with a margin added for LTV between 101% and 125%. The added margin will not exceed 0.50%. Minimum loan amount for a 72 month term is $25,000.00. Minimum loan amount for a 84 month term is $35,000.00

*** Older used vehicles are the 3 oldest model years, currently 2015 to 2017. Financing is limited to $50,000.00 and loan terms cannot exceed 60 months.

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