Refinance your auto loan and make no payments until 2027.
Keep the car you already love and give the payment a little time off.
Refinance an auto loan from another lender with Bay Federal and, if eligible, enjoy 90 days before your first payment†. Your first payment may not be due until 2027. Same car. New loan. A little more breathing room.
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Enjoy 90 days before your first payment and create breathing room in your budget.
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You may also lower your monthly payment and save over time.
You don't need a new car to get a better auto loan.
Today’s Auto Refinance Rates
Autos*
| Up to 48 months | 66 months | 72 months * | 84 months ** | |
|---|---|---|---|---|
| 750+ | 5.24% | 5.49% | 5.99% | 6.24% |
| 700-749 | 5.74% | 5.99% | 6.49% | 6.74% |
| 650-699 | 6.49% | 6.74% | 7.24% | 7.49% |
| 610-649 | 7.99% | 8.24% | 8.74% | 8.99% |
| <610 | 9.49% | 9.74% | 10.24% |
†First payment deferred for 90 days. Interest will continue to accrue from date of loan disbursement and becomes due once payments begin.
Offer available on the refinance of a 2016 or newer vehicle currently financed at another financial institution. Refinances of current Bay Federal Auto Loans are not eligible for this offer. Offer valid to new and existing members on direct auto refinances of $10,000 or more. A discount of 0.25% off the eligible rate will be applied for enrollment in automatic payments at the time of funding.
All loans are subject to credit approval, income verification, and valid Social Security Number or ITIN per Bay Federal Credit Union lending requirements. Bay Federal Credit Union membership required at the time of closing. Other terms and conditions may apply. This offer is subject to change without notice. For more information, call us at 831.479.6000 or toll-free at 888.4BAYFED.