Lower Your Car Payment Today
rates as low as 4.99% APR* + No Payments for 90 Days
Cut Your Car Payment. Keep More Cash.
Switch your auto loan to RadiFi and enjoy:
- Skip payments for 90 days*
- Rates as low as 4.99% APR*
- Simple online process from start to finish
Why ReFi with RadiFi?
Refinancing with RadiFi is simple, fast, and built to save you money.
Here’s why members choose us:
ReFi with RadiFi Low Auto Loan Rates
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Term2 |
APR1 as low as |
Estimated Payment per $1,000 Borrowed |
|---|---|---|
|
Payment examples are based on the highest term in each tier. 1 APR = Annual Percentage Rate. APRs are effective as of 11/1/2025 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. 2 Mileage could affect the maximum term allowed. Max mileage is 100,000. 3 67-78 Months: $15K minimum. 4 79-84 Months: $25K minimum. |
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|
Term2 0-48 Months |
APR1 as low as 4.99% |
Estimated Payment per $1,000 Borrowed $23.02 |
|
Term2 49-66 Months |
APR1 as low as 6.25% |
Estimated Payment per $1,000 Borrowed $17.94 |
|
Term2 67-78 Months3 |
APR1 as low as 6.50% |
Estimated Payment per $1,000 Borrowed $15.75 |
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Term2 79-84 Months4 |
APR1 as low as 7.00% |
Estimated Payment per $1,000 Borrowed $15.09 |
Not a Member? You’re Eligible to Join!
Becoming a RadiFi member is easy. If you live, work, worship, or attend school in Duval, Clay, Nassau, Baker, or St. Johns County, you’re eligible. And now, through our partnership with the American Consumer Council (ACC), just about anyone nationwide can join – and RadiFi will even cover the ACC membership fee.
As a member, you’ll enjoy:
- Competitive rates & lower fees
- Exclusive perks designed to save you money
- Personalized service with a local touch
Join today and experience banking that makes waves – no matter where you are.
Calculate Your Savings
OUR MEMBERS EMPOWER US
— RadiFi Member, JacksonvilleRefinancing my car loan with RadiFi cut my interest rate almost in half. I’m saving over $100 a month — it was the easiest financial decision I’ve made!
All Your Burning Questions Answered
Refinancing your auto loan means replacing your current auto loan with a new one—typically to secure a lower interest rate, reduce your monthly payment, or adjust your loan term. When you refinance with RadiFi, we make the process easy and hassle-free so you can get more out of your money. Start the process now.
Refinancing may be right for you if:
- Interest rates have dropped since you took out your original loan
- Your credit score has improved
- You want to lower your monthly payments or pay off your loan faster
Our team can help you run the numbers—just contact us to explore your options or apply online now.
There may be a small, temporary impact from the credit inquiry during the application process. But over time, refinancing to a lower payment or better terms can positively impact your credit if you continue to make on-time payments. Get the auto loan refinance process started now.
RadiFi Credit Union refinances most personal-use cars, trucks, and SUVs. Some restrictions apply based on age, mileage, and vehicle condition. Contact us if you have questions about eligibility. Get the auto loan refinance process started now.
Yes! You can start your refinance application online in just a few minutes through our secure online application portal. Prefer to talk to someone? Stop by any RadiFi branch or call us—we’re happy to help.
Yes, membership is required—but it’s easy to join! If you live, work, worship, or attend school in Duval, Clay, St. Johns, Nassau or Baker County, Florida—or just about anywhere in the U.S. through our partnership with the American Consumer Council—you’re eligible. We’ll help you become a member during the loan process.
RadiFi offers competitive rates, fast local decisions, and flexible repayment options. You’ll work with a team that truly cares—because we’re not just your lender, we’re your neighbor. Refinance with RadiFi and enjoy savings, simplicity, and service you can trust. Refinance Your Auto Loan Online Now.
OUR MEMBERS EMPOWER US
— RadiFi Member, St. JohnsHaving three months with no car payments gave me the breathing room I needed to catch up on other bills. RadiFi made it stress-free.
Hit the Gas On Better Savings.
Refinance with RadiFi and put your financial future in the fast lane.
This is a limited time offer.
Great Rates on New Car Loans Too!
Finance Your New Vehicle with RadiFi and Save
|
Term |
APR1 as low as |
Estimated Payment per $1,000 Borrowed |
|---|---|---|
|
Payment examples are based on the highest term in each tier. 1 APR = Annual Percentage Rate. APRs are effective as of 11/1/2025 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. 2 79-84 months: $25K minimum. |
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Term 0-48 Months |
APR1 as low as 4.85% |
Estimated Payment per $1,000 Borrowed $22.96 |
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Term 49-66 Months |
APR1 as low as 5.50% |
Estimated Payment per $1,000 Borrowed $17.59 |
|
Term 67-78 Months |
APR1 as low as 5.75% |
Estimated Payment per $1,000 Borrowed $15.40 |
|
Term 79-84 Months2 |
APR1 as low as 6.54% |
Estimated Payment per $1,000 Borrowed $14.87 |
Connect with Us. We’re here to help.
We can guide you through the entire auto loan financing or refinancing process.
Disclosures
*APR = Annual Percentage Rate. APRs are effective as of 10/01/2025 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your credit worthiness, term of loan, loan-to-value, and other criteria. Certain restrictions may apply. Not all members will qualify for this offer. Used vehicles must be 2018 or newer. Refinances of existing RadiFi Credit Union loans do not qualify for this offer. Mileage could affect the maximum term allowed. A sample auto loan payment based on $20,000 financed for 48 months at 4.99% APR is approximately $460.50. Interest will continue to accrue during the 90-day no payment period. Minimum loan amount is $10,000. Maximum loan amount is $250,000.