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You keep the car. We beat the rate. It’s that simple.
Still stuck with a high-rate auto loan from somewhere else? TruEnergy FCU is here to help you break free. Refinance with us and we’ll beat your current rate by up to 2.00% APR, with rates as low as 4.00% APR.
We make it easy to lower your payment, shorten your term, or both — without the pressure to buy a new car.
What You Get:
✅ We beat your current rate by 2.00% APR*
✅ Terms up to 84 months
✅ Fast approvals
✅ Vehicles up to 10 years old qualify
✅ Personalized service every step of the way
Limited-time offer — apply by September 30, 2025
Here’s an example of how much you could save by refinancing your loan with us:
*APR = Annual Percentage Rate. The rate you qualify for will depend on your credit history and other underwriting factors. Offer valid from July 1 through September 30, 2025. TruEnergy FCU will beat your current auto loan rate by up to 2.00% APR, with a minimum floor rate of 4.00% APR. The maximum APR is 17.24%. Loan terms available up to 84 months. Eligible vehicles must be model year 2015 or newer (10 years old or less). Proof of your current rate is required. This offer applies only to auto loan refinances from other financial institutions; existing TruEnergy FCU auto loans are not eligible.
Payment example: A $20,000 loan at 4.00% APR for 60 months would have an approximate monthly payment of $373.00. All loans are subject to credit approval. Rates, terms, and conditions are subject to change without notice. Rates current as of 07/01/2025. Additional conditions may apply.
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