Auto Refinance
Refinance your wheels
Own the road when your refinance your Auto Loan with Fortera!
Refi Your Ride and Get Up To $500 Cash Back
And with our 90-Day No Pay option, you can cruise through the first three months of your auto loan without making a payment.*
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 or your annual percentage rate (APR) or maybe even both! Small percentages can make a big difference in your wallet weight long term.
*Minimum loan amount of $10,000. Maximum cash back of $500. Cash back amount will be deposited into member’s Share Savings Account. May not be combined with any other offers. Loan must be transferred from another financial institution and must be at least 90 days after original purchase. Offer not eligible for existing Fortera Credit Union auto loans. All loans subject to credit approval. Membership eligibility and other requirements apply. Interest will begin accruing on day one of the loan and continue through the deferred payment period. Fortera reserves the right to terminate this promotion at any time without notice. Contact Credit Union for details.
Used Auto Loan Rates
| Type | Term | APR* |
|---|---|---|
Type:
Used Autos 2022 to 2024
| Term:
Up to 60 Months
| APR*:
7.24% - 16.24%
|
Type:
Used Autos 2022 to 2024
| Term:
Up to 72 Months
| APR*:
7.24% - 16.74%
|
Type:
Used Autos 2022 to 2024
| Term:
Up to 84 Months
| APR*:
7.74% - 10.24%
|
Type:
Used Autos 2020 to 2021
| Term:
Up to 60 Months
| APR*:
7.74% - 17.24%
|
Type:
Used Autos 2020 to 2021
| Term:
Up to 72 Months
| APR*:
7.74% - 17.99%
|
Type:
Used Autos 2020 to 2021
| Term:
Up to 84 Months
| APR*:
8.24% -10.74%
|
Type:
Used Autos 2017 to 2019
| Term:
Up to 60 Months
| APR*:
8.49% - 17.49%
|
Type:
Used Autos 2017 to 2019
| Term:
Up to 72 Months
| APR*:
8.99% - 18.00%
|
Type:
Used Autos 2012 to 2016
| Term:
Up to 60 Months
| APR*:
9.99% - 18.00%
|
Type:
Used Autos 2011 and Older
| Term:
Up to 36 Months
| APR*:
11.74% - 18.00%
|
Type:
Used Autos 2011 and Older
| Term:
Up to 48 Months
| APR*:
12.74% - 18.00%
|
Type:
Used Autos 2011 and Older
| Term:
Up to 60 Months
| APR*:
14.24% - 18.00%
|
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
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.
With our 90 Days No Pay policy*, you can cruise through the first three months of your auto loan without making a payment.
*Limited time offer. Interest will begin accruing on day one of the loan and continue through the deferred payment period.
Auto Pay Advantage is an easy 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.
On the couch or on the go, keep your money close with our Mobile App and Online Banking.
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.
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.
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.
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.
Get Started
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.
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.
Unique ID & Copyright
DP-3415592.1-0121-0423 CUNA Mutual Group ©2023, All Rights Reserved.
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.
FAQs
You've got the Q's, we've got the A's.
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.
Do you offer Auto Refinancing
Yes! 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 to lower your car payment or your annual percentage rate (APR) or maybe even both! Small percentages can make a big difference in your wallet weight long term.
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.
You may also like...
Recreational Auto Loan
Adventure awaits, and we’re here to help you chase it down.
Used Auto Loan
A pre-driven car is no small investment. Make your new-to-you ride your own — on your budget and time table.
New Auto Loan
Competitive rates and flexible financing options for your new ride.
What's New
