Refinance your auto loan and save.
Refinance your vehicle loan at Hughes Federal Credit Union and lower your monthly payment. And you can do it all online – no need to come in to a branch.
One Low Rate™
We don’t switch loan rates based on your credit score. The rates we offer are simply one rate for all approved applicants. Save money and lower your monthly payment with our fixed or adjustable auto rate.
Apply online today.
Rates
8.70% APR*
Adjustable Rate (Up to 72 Months)
9.45% APR*
Fixed Rate (Up to 72 Months)
9.70% APR*
Adjustable Rate (84 Months)
10.45% APR*
Fixed Rate (84 Months)
Features & Benefits
- A great fixed or adjustable rate
- Flexible terms
- Term up to 7 years (84 months)
Optional Services
Speedy Turnaround
Once we receive your application, we’ll contact you promptly to get everything finalized.
Flexible Terms
Up to 84 months.FAQ
Vehicle Loan Refinancing Frequently Asked Questions
Hughes offers a number of ways to make your loan payment. Visit the Make a Payment page for details.
Visit our application status portal to check the status of your application, upload documents, or send us questions or comments.
Yes, we require full coverage insurance with comprehensive and collision deductibles of $1,000 or less.
Yes. You will need to provide your insurance company with the following lienholder information:
Hughes Federal Credit Union
PO Box 461385
San Antonio TX 78246-1385
San Antonio TX 78246-1385
Phone: 1-888-667-9103
Fax: 1-866-736-9183
Website: imcovered.com/hughesfcu
Full coverage insurance is required during the full term of loan with comprehensive and collision deductibles of $1,000 or less.
No. As of April 1, 2020, the Arizona Motor Vehicle Division (MVD) will no longer mail paper titles. Once you pay off your vehicle loan, the credit union will release the lien within 7-10 business days. In Arizona and some other states, your title now appears in their systems electronically. Please visit the ADOT Vehicle Title and Registration page for more information. If you want a paper title, call the Arizona MVD at 602-255-0072 and request one to be mailed to you for a $4 fee. If your unit is titled in a state other than Arizona, please contact your local motor vehicle department.
The adjustable rate is set by the credit union and is not tied to a prime index. Even though a rate may change during the life of the loan, the payment remains the same so you can continue staying on track with your budget. We fluctuate the term of the loan instead.
Disclosures
Effective Date: 10-01-2024
*Annual Percentage Rate (APR) and loan terms can affect your monthly payments. Use a Hughes Financial Calculator to calculate payment amounts for fixed rate loans.
Fixed APR Example: A loan of $25,000 for 84 months at 10.45% fixed APR will have a monthly payment of $420.92.
Adjustable APR Example: A loan of $25,000 for 84 months at a 9.70% adjustable APR will have a monthly payment of $411.22.
All loans subject to approval. Certain restrictions may apply. Rate based on creditworthiness and subject to change. The disclosed rates are based upon your credit score and other loan qualifications. A down payment may be required. Contact Hughes Federal Credit Union for additional information.
One Low Rate™ applies to all Hughes Federal Credit Union loans except credit builder loans; mortgage and student loans, which are offered through an outside vendor. For members with approved credit. Certain restrictions apply.
Hughes Federal Credit Union, 971 W. Wetmore Rd., Tucson, AZ 85705.