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What Is It?
Auto Loan Refinance from Yolo Federal
There’s a lot of reasons you might be interested in refinancing your Auto Loan. Maybe your monthly payment is too much, or perhaps you’ve improved your credit score since you purchased your vehicle. Whatever your reason, we’re here to help you grow your future. With our low rates and great service, you can trust Yolo County’s #1 Best Credit Union to help you achieve financial success.
Why Yolo Federal
We'll get you a deal
- Lower your monthly payments
- Among the lowest rates in Yolo County
- GAP insurance available for extra peace of mind
- We've saved our members an average of $2,000†
Rates & Fees
| Loan Type | Term in months | Minimum Amount | Rate as low as | APR1 | Payment per $1,0002 |
|---|---|---|---|---|---|
| New Auto | Up to 24 Mo. | N/A | 5.64% | 5.64% | $44.16 |
| Up to 36 Mo. | N/A | 5.64% | 5.64% | $30.26 | |
| 37-48 Mo. | N/A | 6.79% | 6.79% | $23.85 | |
| 49-60 Mo. | N/A | 6.79% | 6.79% | $19.70 | |
| 61-72 Mo. | $15,000 | 6.79% | 6.79% | $16.95 | |
| 73-84 Mo. | $20,000 | 6.79% | 6.79% | $14.99 | |
| 85-120 Mo. 3 | $30,000 | 6.79% | 6.79% | $11.50 | |
| Used Auto | Up to 24 Mo. | N/A | 5.64% | 5.64% | $44.16 |
| Up to 36 Mo. | N/A | 5.64% | 5.64% | $30.26 | |
| 37-48 Mo. | N/A | 6.79% | 6.79% | $23.85 | |
| 49-60 Mo | N/A | 6.79% | 6.79% | $19.70 | |
| 61-72 Mo. | $15,000 | 6.79% | 6.79% | $16.95 | |
| 73-84 Mo. | $20,000 | 6.79% | 6.79% | $14.99 | |
| 85-120 Mo.3 | $30,000 | 6.79% | 6.79% | $11.50 |
APR=Annual Percentage Rate. 100% financing available. Effective Date: December 1, 2024. The APR is accurate as of the effective date. Rates subject to change at any time.
1 Based on loan balance of $10,000 or minimum amount required for term.
2 Payment per $1,000 is based on the minimum APR reflected at the maximum term available in range.
3 Mobility Loans: Extended terms from 85-120 months apply to vehicle loans with mobility options only. Up to 90% financing only. Other restrictions may apply.
Green Loans: Yolo Federal Credit Union offers a .30% rate discount. To qualify, the vehicle must meet the IRS guidelines for energy efficiency tax credits.
Healthcare First Responder Discount: Yolo Federal Credit Union offers a .25% rate discount on qualifying fixed-rate loan products for healthcare and first responder professionals. Qualifying loan products include: Vehicle, Recreational Vehicle, Motorcycle, Boat, Real Estate, Home Equity, Signature, and Energy Saver Loans. To receive the discount, the individual must be employed as a nurse, doctor, firefighter, police officer, paramedic, or support professional in the first responder or healthcare system at the time of application and provide proof of employment. Retired healthcare and first responder professionals also qualify for loan discount.
Rates, Financing Amount and Terms: Some restrictions apply. Rates shown may not apply to every borrower, and the higher rates may be charged to other borrowers depending on their credit qualifications. Rate and term will be determined by member's credit worthiness. A member's creditworthiness will be based, for example, on factors such as debt to income ratios, credit history, employment, etc. For additional details regarding a specific category, please consult a credit union member services officer.
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Disclosures
†Average savings calculated based on loans refinanced 3/1/21-6/18/21. Savings is not guaranteed.