Refinance Your Car - Arlington Federal Credit Union

Refinance for up to $500 cash back!

Love your car and your payments with rates as low as 1.74% APR* and no payments for the first 3 months1 at ACFCU!

Refinance your car loan with ACFCU for up to $500 cash back. We could lower your monthly payments, plus no payments for the first three months1! ACFCU is so much more than a lender, we’re your neighbor. Apply today and enjoy our neighborly service.

RATES AS LOW AS

1.74
%
APR*

Features & Benefits

  • Save up to 0.50% APR* when you apply online
  • No payments for the first 3 months1
  • Flexible payment options with due dates that fit your needs
  • Quick loan decisions
  • Emails to remind you when your payments are due
  • Annual Skip-a-Pay2 option
  • Flexible terms up to 96 months
  • Sign & send documents electronically
  • Free CARFAX®
  • Affordable protection plans, including GAP Advantagemajor mechanical coverage and payment protection.
  • Available on loan amounts $10,000 and up
Apply Now
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calendar icon Rates Effective: October 20, 2021
TYPE & MODEL YEARS TERMS UP TO FIXED APR* AS LOW AS SAMPLE MONTHLY PAYMENT FOR $20,0001
TYPE & MODEL YEARS New & Used: 2015 and Newer TERMS UP TO 36 Months FIXED APR* AS LOW AS 1.74% SAMPLE MONTHLY PAYMENT FOR $20,0001 $571
TYPE & MODEL YEARS New & Used: 2015 and Newer TERMS UP TO 60 Months FIXED APR* AS LOW AS 2.24% SAMPLE MONTHLY PAYMENT FOR $20,0001 $352
TYPE & MODEL YEARS New & Used: 2015 and Newer TERMS UP TO 72 Months FIXED APR* AS LOW AS 2.49% SAMPLE MONTHLY PAYMENT FOR $20,0001 $299
TYPE & MODEL YEARS New & Used: 2015 and Newer TERMS UP TO 84 Months FIXED APR* AS LOW AS 3.49% SAMPLE MONTHLY PAYMENT FOR $20,0001 $269
TYPE & MODEL YEARS New & Used: 2015 and Newer TERMS UP TO 96 Months FIXED APR* AS LOW AS 6.24% SAMPLE MONTHLY PAYMENT FOR $20,0001 $633 (Minimum loan amount of $50,000)
TYPE & MODEL YEARS Older Model Cars: 2014 and Older TERMS UP TO 36 Months FIXED APR* AS LOW AS 3.24% SAMPLE MONTHLY PAYMENT FOR $20,0001 $583
TYPE & MODEL YEARS Older Model Cars: 2014 and Older TERMS UP TO 60 Months FIXED APR* AS LOW AS 3.74% SAMPLE MONTHLY PAYMENT FOR $20,0001 $366
TYPE & MODEL YEARS Older Model Cars: 2014 and Older TERMS UP TO 72 Months FIXED APR* AS LOW AS 3.99% SAMPLE MONTHLY PAYMENT FOR $20,0001 $313
TYPE & MODEL YEARS Older Model Cars: 2014 and Older TERMS UP TO 84 Months FIXED APR* AS LOW AS 4.99% SAMPLE MONTHLY PAYMENT FOR $20,0001 $283

Get more information.

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Becoming a member is easier than you think!

All you need is $5 and proof of eligibility.

Just about anyone can bank at Arlington Community FCU. You’re eligible to join if:

  • You live, work, worship, volunteer, go to school or do consistent business in Arlington, Fairfax County, City of Alexandria, and City of Falls Church, VA.
  • You’re an immediate family member of a current member: spouse, parent, grandparent, stepparent, child, grandchild, stepchild sibling/stepsibling
  • You live with someone who is eligible including a domestic partner, legal guardian, foster child, roommate with shared finances
  • You have an immediate family member who is eligible to join under #1 above, even if they haven’t joined yet
Open An Account
The Fine Print

*APR = Annual Percentage Rate. Not all applicants will qualify for the lowest rate. Rates subject to change without notice. Maximum cash back is 1% of loan balance, up to $500. Cash back will be deposited into savings account within 2 weeks of loan closing. If loan is paid off within 24 months, cash back amount will be added to payoff amount. Only refinanced vehicles from other institutions are eligible. Minimum loan $10,000. To be eligible you must apply for and qualify for a car loan. Maximum loan to value restrictions may apply based on the MSRP of new vehicles and the NADA retail value of used vehicles. Normal underwriting guidelines apply. To qualify for as low as rate, members must meet credit criteria qualifications and apply for the car loan via our Online Application. Loan and membership requirements apply. Applications must be received by 4.14.22 and loans must be funded by 4.21.22 to be eligible for the rebate.

1Not all members qualify for payment deferment. Interest will continue to accrue for the entire payment deferment period. Deferred period may not exceed 90 days. For refinancing of joint car loans, both borrowers may be required to qualify for offer. Flex Car Loans are not eligible for payment deferment.

2Skip-A-Pay is an optional program to defer a consumer loan payment for a $35 per skipped loan payment. Your loan must be open for one year to be potentially eligible for this benefit. Other qualifications apply. Finance charges will continue to accrue at the rate provided in your original loan agreement during and after the payment deferral. Deferring your payment(s) will result in higher finance charges and will extend the term of your loan(s). You will be required to resume regular monthly payment(s) the following month. Offer subject to change at ACFCU’s sole discretion.