Lower Your Auto Loan Rate and Save with County Excellence FCU
Do you live, work, worship, or conduct business in Union, Somerset, or Hunterdon Counties of NJ? Is your current Auto Loan no longer meeting your needs? Refinancing could be the answer, and right now, County Excellence FCU is offering an unbeatable 2-point rate drop, bringing your new rate as low as 3.99% APR*! Whether you want to lower your monthly payments, reduce the overall cost of your loan, or adjust the loan term to fit your lifestyle, refinancing can help. Keep reading to learn how you can save by refinancing your auto loan with us today.
Why Refinance Your Auto Loan?
Refinancing your Auto Loan means replacing your existing loan with a new one at a lower interest rate—potentially saving you hundreds or even thousands of dollars over the life of the loan. If you’ve improved your credit score since you took out your original loan or if interest rates have dropped, now is a perfect time to refinance with County Excellence FCU.
With our special 2-point rate drop at a floor rate of 3.99% APR*, refinancing could dramatically lower your interest rate, reduce your monthly payments, or both.
Key Benefits of Refinancing with County Excellence FCU
Refinancing with County Excellence FCU offers several advantages to help you manage your Auto Loan more effectively:
2-Point Rate Drop: Enjoy a significant rate reduction of 2 points, with new rates as low as 3.99% APR*. This lower rate means you'll pay less interest and have more flexibility with your finances.
Lower Monthly Payments: Refinancing your vehicle loan could reduce your monthly payment by extending your loan term, giving you breathing room in your budget without sacrificing financial stability.
Save on Interest: A lower interest rate means less money spent on interest over time. Refinancing could save you hundreds or even thousands of dollars, freeing up money for other financial goals.
Flexible Loan Terms: Choose a loan term that works best for your financial situation—whether you want to pay off your loan faster or reduce your monthly payments.
Streamlined Process: Refinancing is quick and simple with an easy online application and personalized support from our team.
Who Can Refinance Their Auto Loan?
Refinancing is an excellent option for many borrowers. Here are some situations where refinancing with County Excellence FCU makes perfect sense:
Improved Credit Score: If your credit score has increased since you originally took out your Auto Loan, refinancing could qualify you for a much lower interest rate.
Interest Rates Have Dropped: If market interest rates have fallen since you first financed your vehicle, refinancing allows you to lock in a lower rate and save money on interest.
Struggling with High Payments: If your current payments are hard to manage, refinancing could extend your loan term to reduce your monthly payment while maintaining the same loan balance.
Want to Pay Off Your Loan Faster: Refinancing offers the opportunity to shorten the loan term and pay off your car more quickly, saving you money on interest over time.
For example, you might have an Auto Loan that’s become a financial burden, and refinancing could lower your payments or adjust the loan term to better fit your current needs.
Why Refinance with County Excellence FCU?
When you refinance your Auto Loan with County Excellence FCU, you’re not just getting a great rate—you’re working with a credit union that prioritizes your financial well-being. Here’s why refinancing with us is a smart choice:
Unbeatable Rates: With a 2-point rate drop to a floor rate of 3.99% APR*, you’ll enjoy some of the best rates available in the market.
Personalized Service: Our team is dedicated to offering individualized support to help you find the best loan options, whether you’re an existing member or new to the credit union.
Flexible Terms to Fit Your Needs: From extending your loan term for lower payments to shortening it to pay off your loan faster, we offer flexible loan terms that adapt to your lifestyle.
How to Refinance with County Excellence FCU
Refinancing your Auto Loan with County Excellence FCU is easy and fast. Here's how to get started:
Review Our Competitive Rates: Check out our Auto Loan refinancing rates and see how much you could save by refinancing at 3.99% APR*.
Prepare Your Documents: Gather your current loan details, proof of income, and a valid ID to streamline the application process.
Apply Online or In-Branch: Submit your application online or visit a County Excellence FCU branch to speak with a friendly representative who can guide you through the process.
Not a member yet? No problem! If you live, work, worship, or conduct business in Union, Somerset, or Hunterdon Counties of NJ, joining County Excellence FCU is simple, and you’ll immediately qualify for all the benefits we offer—including this fantastic refinancing opportunity.
Ready to Refinance and Save?
Don’t miss out on the chance to lower your rate by 2 points to as low as 3.99% APR* with County Excellence FCU. Refinancing your Auto Loan is a smart way to reduce your monthly payments and save you money on interest. Explore our current rates today and start the refinancing process.
Not a member yet? Join County Excellence FCU now and take advantage of our fantastic refinancing rates and all the other benefits we offer.
Disclosure: *APR = Annual Percentage Rate. Rates are subject to change without notice, and restrictions may apply. Rates may vary depending on credit, loan amount, loan term and value of your vehicle. DMV and other fees may apply. A 4-year, Fixed-Rate Refinanced Vehicle Loan for $20,000 would have 48 monthly payments of $451.49 each at an Annual Percentage Rate (APR) of 3.99%.