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1st Advantage Federal Credit Union - Celebrating 70 Years
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Auto Loan Refinancing

Your Advantage

Lower rates and savings start here

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Open an Account FIX BUTTON

Move Your Auto Loan to 1st Advantage & Save!

Refinancing your existing auto loan could help you save hundreds or even thousands of dollars over the life of the loan. And with our competitive rates, flexible terms, and low monthly payments, there’s never been a better time to refinance your car loan. 

We currently have two Auto Refinance Specials. Choose the offer that works best for you!

Auto Refinace ratebox

Use promo code Auto50 for a
cash bonus of up to $200* when you refinance a loan from another financial institution

OR

Use promo code BetterRate to receive a rate as low as 4.75%^ for 75 months.

Documents needed to complete your loan application:

  • Registration
  • Exact mileage
  • Proof of insurance
  • 20-day payoff & per diem
  • Current auto loan account number
  • Current financial institution mailing address & phone number

*Other documentation may be required.

Apply Now

Check Our Rates

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Auto Refinance Rates

  • Up to
    48 Months
    4.74%*
  • Up to
    60 Months
    5.24%*
  • Up to
    66 Months
    5.60%*
  • Up to
    75 Months
    4.75%^
  • Up to
    84 Months
    6.99%*
  • Up to
    96 Months
    9.24%*

The Benefits of Refinancing with 1st Advantage

Refinancing your auto loan with 1st Advantage gives you access to benefits you can’t get from the big banks. Our rates are lower, we don’t charge you extra fees, and you can count on local service because we’re Virginia-based with branches in your area. And for a limited time, get benefits like a cash back bonus and no payments for 90-days when financing a loan from another lender.

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No Application Fee
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100% Financing
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No Payment for 90-Days*
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$200 Cash Bonus*
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Preapproval in Minutes
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Exceptionally Low Rates

Why Refinance Your Current Auto Loan?

Save Money Each Month

Interest rates might have fallen since you got your initial loan, or you could have improved your financial situation. Either way, refinancing might give you access to a lower interest rate so you’ll enjoy a lower monthly payment and more room in your budget.

Get Started Now
a lady drives her car while wearing a hat and sunglasses.
 
a lady drives her car while wearing a hat and sunglasses.

Pay Off Your Loan Faster

Refinancing your auto loan allows you to change your initial loan terms. Some members choose to shorten their loans so they can pay their cars off much faster. Others choose to extend the length of their loan to better meet other financial obligations. The option is yours.

Get Started Now
 

Pay Less in Interest

If you refinance your auto loan at a lower interest rate, you’ll pay less interest over the life of the loan. For many members, that savings translates into thousands of dollars.

Get Started Now
two women discuss paying less interest on their auto loan.
 

Auto Loan Calculator

Est. Monthly Payment: 0


★★★★★

“Excellent experience on auto refinancing; the staff is friendly and competent. Job well done, I am very pleased. Thanks!”

 - Mark, in Newport News


★★★★★

“I have been a member of 1st Advantage Federal Credit Union for a long time and have been very happy with their service.  I have financed numerous vehicles with them, and they provide good rates and services in the entire process. If I ever leave the area I will continue to bank with 1st Advantage Credit Union because I have been completely satisfied.”

  - Richard, in Gloucester

Auto Loan Resources

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Auto Loan Resource Hub

Get the information you need to shop for an auto that meets your needs at a price that fits your budget- and much more.

  • Learn More
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Financial Calculators

When you're making big financial decisions, our calculators can provide the insight you need.

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How to Make Payments

1st Advantage offers several convenient ways to make your loan payments. Click the button to learn more.

  • Learn More

*APR = Annual Percentage Rate. Rates effective as of 5/8/2023. Other terms available. Minimum financed amount required. Minimum monthly payment required. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Listed Auto Loan rates include .25% discount with auto pay setup and .50% discount for refinancing. Receive a cash bonus when you refinance a loan from another financial institution with 1st Advantage. Cash bonuses are based on loan amount. Receive $200 for loan amounts of $25,000 or more; Receive $150 for loan amounts of $20,000 to $24,999.99; Receive $100 for loan amounts of $15,000 to $19,999.99; Receive $50 for loan amounts $5,000 to $14,999.99 Minimum loan amount must be over $5,000 to qualify for this offer. Only one incentive paid per loan and funds will be credited to the primary applicant’s savings account between 60-90 days of loan funding date. All loan and deposit accounts must be in good standing to receive incentive. Existing 1st Advantage loans are not eligible for this offer. No payments for 90 days for credit scores 640+. Contact 1st Advantage for details.

^APR = Annual Percentage Rate. Rates and terms based on credit criteria. Credit restrictions apply. Rates as low as 4.75% APR for up to 75 months assumes excellent credit. Minimum credit score of 640 required to qualify for promotion. Vehicle must be a 2020 or newer. Existing 1st Advantage loans are not eligible for refinance. Payment example: $25,000 loan amount for 75 months at 4.75% APR = estimated monthly payment of $388.00. Not valid with any other offer. Maximum interest rate is 17.95%. The minimum refinance loan amount is $5,000. Review your existing loans carefully to borrow the exact amount you need. Fixed-Rate Loans: The interest rate charged, and the annual percentage rate are constant for the life of the loan. 1st Advantage reserves the right to cancel this promotion at any time. Contact 1st Advantage for details.

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1st Advantage Federal Credit Union

Bank in Virginia with 1st Advantage Federal Credit Union and enjoy quality personal and business banking services including checking, savings, mortgages, business loans and more. Visit a conveniently located branch in Grafton, VA, Yorktown, VA, Hampton, VA, Newport News, VA, Fort Eustis, VA, Gloucester, VA, Richmond, VA, Williamsburg, VA, or Virginia Beach, VA.

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Equal Housing Lender, National Credit Union Association

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

Equal Housing Lender, National Credit Union Association

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

*APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.

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