Rates as low as 4.75% APR* + 90 Days No Payments
Refinance Your Auto Loan
Get Up to $500 Cash Back*
Switch your auto loan to RadiFi and enjoy:
- Rates as low as 4.75% APR*
- An additional 0.25% APR relationship discount* for qualifying members
- Skip payments for 90 days*
- Simple online process from start to finish
Limited-Time Special
Get $500 Cash Back
Finance or refinance an eligible auto loan of $35,000 or more and receive $500 cash back*.
Get $350 Cash Back
Finance or refinance an eligible auto loan from $15,000 to $34,999.99 and receive $350 cash back*.
Why ReFi with RadiFi?
Refinancing with RadiFi is simple, fast, and built to save you money. Plus, qualifying members may receive an additional relationship discount.
Here’s why members choose us:
Calculate Your Savings
Refinance & Used Auto Loan Rates
|
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 8/1/2026 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. |
||
|
Term2 0-48 Months |
APR1 as low as 4.75% |
Estimated Payment per $1,000 Borrowed $22.92 |
|
Term2 49-66 Months |
APR1 as low as 5.49% |
Estimated Payment per $1,000 Borrowed $17.59 |
|
Term2 67-78 Months3 |
APR1 as low as 5.79% |
Estimated Payment per $1,000 Borrowed $15.41 |
|
Term2 79-84 Months4 |
APR1 as low as 6.59% |
Estimated Payment per $1,000 Borrowed $14.89 |
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 8/1/2026 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. |
||
|
Term 0-48 Months |
APR1 as low as 4.59% |
Estimated Payment per $1,000 Borrowed $22.84 |
|
Term 49-66 Months |
APR1 as low as 4.99% |
Estimated Payment per $1,000 Borrowed $17.36 |
|
Term 67-78 Months |
APR1 as low as 5.29% |
Estimated Payment per $1,000 Borrowed $15.18 |
|
Term 79-84 Months2 |
APR1 as low as 5.99% |
Estimated Payment per $1,000 Borrowed $14.60 |
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.
Not a Member? RadiFi Membership Is Open Nationwide
Joining RadiFi is easier than ever. Through our partnership with the American Consumer Council (ACC), just about anyone nationwide can become a RadiFi member — and RadiFi will even cover the ACC membership fee.
If you live, work, worship or attend school in Duval, Clay, Nassau, Baker or St. Johns County, you’re also eligible to join directly.
As a member, you’ll enjoy:
- Competitive rates and lower fees
- Exclusive perks designed to save you money
- Easy online and mobile banking
- Personalized service from a member-owned credit union
Join today and experience banking that makes waves — no matter where you are.
A Credit Union Making Waves
RadiFi Credit Union continues to earn recognition for strong growth, trusted service, and community impact. These honors reflect the commitment of our associates and the trust our members place in us every day.
Connect with Us. We’re here to help.
We can guide you through the entire auto loan financing or refinancing process.
Disclosures
Auto Refinance Promotion: APR = Annual Percentage Rate. APRs are effective as of 08/01/2026 and are subject to change without notice. Your APR may be higher than the lowest advertised rate. Rates are based on creditworthiness, loan term, loan-to-value (LTV), and other underwriting factors. Certain restrictions apply, and not all applicants will qualify.
This offer is available for qualifying auto loan refinances from another lender only. Refinances of existing RadiFi Credit Union auto loans do not qualify. Minimum loan amount is $10,000, the loan application must be submitted as an auto loan refinance, and eligible vehicles must be model years 2019–2026. Used vehicles must be 2019 or newer. Vehicle mileage may affect the maximum loan term. Interest will continue to accrue during the up to 90-day no payment period.
Sample payment: $20,000 financed for 48 months at 4.75% APR equals approximately $458.32 per month. Other terms and conditions apply.
RadiFi Relationship Discount: Members may receive a 0.25% APR discount on a qualifying auto loan when they have an active RadiFi checking account with at least $1,000 in qualifying direct deposits within a 30-day period. Social Security direct deposits are considered qualifying direct deposits. Transfers between accounts do not qualify as direct deposit. Offer excludes mortgages, credit cards, personal loans, and other non-auto loans. Restrictions may apply. Offer subject to change without notice.
Cash Back Auto Loan Promotion: Offer valid August 1, 2026, through September 30, 2026. Eligible auto loans with an original loan amount of $15,000 to $34,999.99 may receive $350 cash back. Eligible auto loans with an original loan amount of $35,000 or more may receive $500 cash back. Loans of $14,999.99 or less and the refinancing of existing RadiFi Credit Union loans are not eligible. Subject to membership eligibility, credit approval and applicable underwriting requirements. Additional terms, conditions and restrictions may apply. Offer may be changed or withdrawn at any time without notice. Not all applicants will qualify. Deferred-payment option is subject to approval. Interest will accrue during the 90-day no-payment period, which will increase the total cost of the loan and may extend the repayment term. Loans financed through the dealer (indirect loans) are not eligible for this offer. Auto loans only. Boats/RVs and any other recreational loan types are not eligible for this offer.