Auto Refinance
Refinance your ride.
Save money and own the road when you refinance your Auto Loan with Fortera!
Enjoy Our 90-Day No Pay Option
You can cruise through the first three months of your auto loan without making a payment with our 90-Day No Pay option.
Why refi?
Refinancing is an easy way to keep money in your pocket. Whether you're already a member of Fortera or you're new here, bring your auto loan from another financial institution and refinance to lower your car payment, your annual percentage rate (APR), or maybe even both! Small percentages can make a big difference in your wallet weight long term.
If you like what you have read so far, check out our Used Auto Loan Rates below.
Used Auto Loan Rates
| Type | Used Autos 2022 to 2024 |
| Term | Up to 60 Months |
| APR* | 5.99% - 10.24% |
| Type | Used Autos 2022 to 2024 |
| Term | Up to 72 Months |
| APR* | 6.24% - 10.49% |
| Type | Used Autos 2022 to 2024 |
| Term | Up to 84 Months |
| APR* | 6.49% - 7.49% |
| Type | Used Autos 2018 to 2021 |
| Term | Up to 60 Months |
| APR* | 6.24% - 10.49% |
| Type | Used Autos 2018 to 2021 |
| Term | Up to 72 Months |
| APR* | 6.49% - 10.74% |
| Type | Used Autos 2018 to 2021 |
| Term | Up to 84 Months |
| APR* | 6.74% -7.74% |
| Type | Used Autos 2014 to 2017 |
| Term | Up to 36 Months |
| APR* | 7.49% - 11.74% |
| Type | Used Autos 2014 to 2017 |
| Term | Up to 48 Months |
| APR* | 7.99% - 12.24% |
| Type | Used Autos 2014 to 2017 |
| Term | Up to 60 Months |
| APR* | 8.49% - 12.74% |
Existing Fortera Members may be eligible for additional discounts. Click here to learn more. *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. Loan to Value up to 130%. All loans are subject to approval. Rates, terms, and conditions are subject to change. Used Auto Loan Payment Example: For a $40,000 loan for a term of 6 years with a 9.99% APR, the monthly payment will be $741.19.
Auto Loan Benefits
FAQs & Helpful Resources
More answers and tools to make your day a little easier.
Add Debt Protection to Your Loan
If your life takes an unexpected turn, your family’s finances can be strained. But with Member's Choice Borrower Security with Life Plus, your loan payments or balance may be canceled, up to the contract maximums, in case of involuntary unemployment, disability, or death. It’s just one more way you can look out for the people you love.
Take an important step toward financial security. Email us at loans@forteracu.com and ask about Member's Choice Borrower Security with Life Plus today.
Your purchase of Member's Choice Borrower Security with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Member's Choice Borrower Security with Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.
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Submit a Debt Protection Claim
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, Used, and Recreational Vehicle Loans
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? You can email us at loans@forteracu.com, text us at 931.431.6800, or video call us. Whichever works for you works for us.
Car Loan Calculator
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.
TruStage Additional Products
Learn more about a variety of different products and services offered to all credit union members through TruStage.
Learn About Additional Insurance Coverage With TruStage
As a Fortera Credit Union member, you have access to additional insurance protection through our partner, TruStage. They provide Life, Auto, Home, and Accidental Death Coverage. You can get up to $1,000 of Accidental Death coverage for free by visiting trustage.com and claiming your offer.
If you have questions for our team about TruStage insurance, please text us at 931.431.6800 or email us at info@forteracu.com.
Can I make additional payments on a refinanced auto loan?
Yes! You can always make additional payments. What works for you, works for us.
Can I set up automatic transfers in Online Banking to pay for my refinanced auto loan?
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.
How do I provide Auto Insurance Verification?
If you have a vehicle financed with Fortera, we will need to have your current Auto Insurance Policy information on file. Maintaining insurance is a requirement of your loan as described in your loan agreement. Normally, this is handled by your insurance agent or company, but in some cases they may not provide this service for you. You may provide this information to us by visiting https://wehaveinsurance.com/forteracu. This site provides an easy and secure method for you to verify insurance coverage.