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Earn While You Save
Earn 4.20% APY* with a 11-Month Share Certificate
What are you saving for? We can Help!
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Auto Refinance
A better fit for the road ahead.
Refinance your auto loan with confidence and explore options designed to support your budget, reduce stress, and help you move forward with clarity.
Competitive, Low Rates
Flexible Terms
No Prepayment Penalties
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Auto Refinance
Love your ride, but not your rate?
We’re here to help you find an auto loan that works better for you. Refinance with JHCU for lower rates, flexible terms, and potential savings—designed to support your financial well-being every mile of the way.
Features & Benefits
- Competitive rates as low as 4.99% APR2
- No payments for up to 90 days1
- Terms up to 84 months2
- No prepayment penalty
- Quick and easy pre-approval
- GAP & Debt Protection Coverage available
Solutions designed to fit your budget.
Hit the road this summer with rates as low as 4.99% APR—refinance your current loan to save!2
Our Rates
Loan Type
Term
APR* as low as
Used Auto
Term
72 months or less**
APR* as low as
4.99
%
Term
84 months†**
APR* as low as
5.49
%
Used Auto (8-10 Yr Old Vehicle)
Term
72 months or less; max 125K miles†**
APR* as low as
6.99
%
Term
84 months; max 125K miles†**
APR* as low as
7.49
%
Steps to Apply
Applying is fast and easy.
1
Apply Online
Our quick and easy online application takes just a few minutes.
2
Sign Electronically
Do everything from the convenience of your home or office.
3
Loan Payoff
We’ll send your old loan payoff automatically.
"I purchased a new car and obtained financing through a finance company at an 12% interest rate. JHCU was able to refinance my vehicle and lower my monthly payments.
I am thrilled with JHFCU and the time and attention they provided to me. Thank you!"
- S. C.
FAQs
Frequently Asked Questions
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Contact Us
Ask about our
Auto Refinance
Getting in touch with us is easy. Just fill out our short contact form and a representative will contact you as soon as possible.
Thank you! Your submission has been received!
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Disclosures
1. Skipping your first payments up to 90 days extends your maturity date for approximately up to three months. If you have credit insurance coverage on this loan, it does not cover any deferred payments. Note that loan interest will still accumulate, so your final payment on this loan may increase. The option to skip a payment is subject to change or may be discontinued.
*2. APR=Annual Percentage Rate. Rates are determined by an evaluation of the applicant’s credit, loan-to-value (LTV), and upon refinancing your non-JHCU loan. Your actual rate may vary. Down payment may be required. Property and flood insurance may be required, therefore the actual payment obligation would be greater. Rates are subject to change. Calculate your estimated payment.
Blank Check Auto Loan is valid on New and Used cars purchased within your state of residence only. Check valued up to the pre-approval amount. Other restrictions apply. Rebate valid on New cars only and will be credited to savings account within 30days of loan disbursal. Rebate excludes GAP and/or warranty amounts financed.
Used vehicles must be no more than 10 years old, and all must have under 125,000 miles.
For vehicles 8-10years old and all recreational vehicles you can only finance 100% of the value. The value is reported by JD Power at the time of the loan request.
Must be pre-approved. Credit and collateral subject to approval.
