Refinance Your Auto Loan

Roll back your rate.

Save up to 2% APR* when you refinance your auto loan with us and enjoy our 90 Day No Pay offer.**

Why refi?

Refinancing is an easy way to keep money in your pocket. Whether you're a member of Fortera or you're new here, bring your auto loan from another financial institution and refinance with us to save up to 2% APR* on your loan. Small percentages can make a big difference in your wallet weight long term.

*APR = Annual Percentage Rate. All loans subject to credit approval. Loan must be transferred from another financial institution and must be at least 90 days after original purchase. Rates will be reduced by up to 2% APR, but will be no lower than 1.99% APR.

Free Ride
Take advantage of our 90 Day No Pay offer**

**Interest will still accrue with the “No Payments for 90 Days” offer. Offer valid on loan applications submitted through October 31, 2021.

Auto Loan Rates

Type Term APR*
Type:
New Autos
Term:
up to 36 Months
APR*:
1.29% to 13.99%
Type:
New Autos
Term:
up to 60 Months
APR*:
3.49% to 13.99%
Type:
New Autos
Term:
up to 72 Months
APR*:
3.99% to 14.99%
Type:
New Autos
Term:
up to 84 Months
APR*:
4.99% to 6.74%
Type:
New Autos
Term:
up to 96 Months
APR*:
5.99% to 7.74%
Type:
Used Autos 2019 to 2021
Term:
up to 36 Months
APR*:
1.49% to 14.74%
Type:
Used Autos 2019 to 2021
Term:
up to 60 Months
APR*:
3.74% to 14.74%
Type:
Used Autos 2019 to 2021
Term:
up to 72 Months
APR*:
4.24% to 15.74%
Type:
Used Autos 2019 to 2021
Term:
up to 84 Months
APR*:
5.24% to 6.99%
Type:
Used Autos 2017 to 2018
Term:
up to 60 Months
APR*:
3.99% to 14.99%
Type:
Used Autos 2017 to 2018
Term:
up to 72 Months
APR*:
4.49% to 15.99%
Type:
Used Autos 2017 to 2018
Term:
up to 84 Months
APR*:
5.49% to 7.24%
Type:
Used Autos 2014 to 2016
Term:
up to 60 Months
APR*:
4.49% to 15.49%
Type:
Used Autos 2014 to 2016
Term:
up to 72 Months
APR*:
5.49% to 16.74%
Type:
Used Autos 2013 and Older
Term:
up to 60 Months
APR*:
5.49% to 16.99%

*The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on the member's credit history and the term of the loan. Not all members will qualify for the best or lowest rate.

Lowest promotional APR based on credit worthiness and terms of 36 months or less. Loan to Value up to 115%.

Auto Loan Benefits

Always in your pocket

On the couch or on the go, keep your money close with our Mobile App and Online Banking.

Where you go, we go

Credit Unions around the world work together to make sure our members can use branches and ATMs everywhere — surcharge-free. Nice, right? Download our CO-OP app and plot your next getaway.

Goal setting made simple

Our skilled experts are easy to reach and happy to help. For members and non-members alike, meetings and consultations are always free, so make the most of your money, on us.

Rest easy

With us, your money is always protected and insured by the National Credit Union Administration. You’re covered on all deposits up to $250,000, so save away.

Get by with a little help

Or even a lot. Either way, we’re here. Call, text, or chat with our experts anytime you need a friend who knows all things Fortera.

Set, forget, save

Auto Pay Advantage is a triple win. First, set up automatic loan payments from your Fortera account in just a few clicks. You’ll never miss a payment, and depending on your loan type, you might even snag a discount.

First time, right foot

First-time borrowers deserve a strong start. That’s why we’ll help you establish your credit history, no co-signer necessary. Borrow up to $10,000 toward a car or truck loan and drive off into the sunset knowing your first time borrowing experience is behind you.

Free ride

With our 90 Days No Pay policy, you can cruise through the first three months of your auto loan without making a payment.

Get Started

Refinance that rate and start saving today. With no application fee, what are you waiting for?

Member Resources

Show me the quick links! These are the things we always seem to need and can never seem to find.

Credit Life, Disability, and Unemployment Protection
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Ensure that you and your loved ones are financially secure even if unplanned accidents happen. Add MEMBER'S CHOICE payment protection on your loan. The protection steps in when your family needs help making your loan payment should you become disabled due to a covered illness or injury, become unemployed, or pass away before paying off your loan.

Sorry to bring the mood down, but we've got to talk safety first. If you have a question or would like to add MEMBER'S CHOICE to your loan, email us and we will be happy to help.

Submit a Payment Protection Claim
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Need to submit a claim? No problem, we've got you covered. You can submit a claim at myclaim.cunamutual.com. If you have any questions, please text us at 931.431.6800 or email us at info@forteracu.com and we will be happy to help.

Document Checklist for New and Used Auto Loan Applications
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To verify your identity, we always ask that you come prepared with a government issued ID. It is important that it is not expired. Examples of acceptable IDs include a State Driver's License or a U.S or Foreign Passport. If we have trouble validating your ID, we may ask for a secondary ID. If you have a question about whether or not an ID can be used, just text us at 931.431.6800.

In addition to identification, you will also need to bring:

  • Buyers order
  • Window sticker or invoice
  • Exact mileage
  • Proof of insurance with Fortera Credit Union listed as lien holder
  • Income verification

Have questions? Just email us.

Car Loan Calculator
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Use this calculator to help you determine your monthly car loan payment or your car purchase price. After you have entered your current information, use the graph options to see how different loan terms or down payments can impact your monthly payment. You can also examine your complete amortization schedule by clicking on the 'View Report' button.

CUNA Mutual Additional Products
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Learn more about a variety of different products and services offered to all credit union members through CUNA Mutual.

FAQs

You've got the Q's, we've got the A's.

Can I make additional payments on a refinanced auto loan?
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Yes! You can always make additional payments. What works for you, works for us.

What are the term lengths for a refinanced auto loan?
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Term lengths for an Auto Loan can range anywhere between 36 months and 96 months.

Can I set up automatic transfers in Online Banking to pay for my refinanced auto loan?
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Yep! You can make payments toward this loan from Online Banking and you can make payments from a different bank account using our Make A Payment feature.

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Used Auto Loan

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New Auto Loan

Competitive rates and flexible financing options for your new ride.

What's New

Nitty, gritty, and super important.

Fine print is your friend. When you have a minute, give these a good read:
Member Service Agreement
View PDF
Privacy Policy
View PDF