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Now is a smart time to refinance your car.

Have a car loan that’s not currently with SAFE? Good news! SAFE is here to help.

Last year, nearly 8,000 of your Midlands neighbors trusted us with their car financing and for good reason. They saved tens of thousands of dollars they would have paid in interest if they'd gone somewhere else. Trust us to help save you some money, too.

Start the Loan Application

Need a good reason to finance with SAFE? Try five.

  • percent Interest rates as low as 1.99% APR.*
  • percent Good for used cars, too.
  • percent 7-year loans for lower payments.
  • percent Up to 90 days before first payment.
  • percent Apply online in minutes 24/7.
Get Pre-Approved Now


Term (in months) Age of Vehicle APR (*as low as)
12-36 2019 and Newer (0-1 year old) 1.99%
37-60 2019 and Newer (0-1 year old) 2.49%
61-75 2019 and Newer (0-1 year old) 2.74%
76-84 2019 and Newer (0-1 year old) 2.99%
24-60 2016-2018 (2-4 years old) 2.99%
61-75 2016-2018 (2-4 years old) 2.99%
24-60 2013-2015 (5-7 years old) 2.99%
24-54 2010-2012 (8-10 years old) 2.99%

* APR = Annual Percentage Rate. Auto refinancing offer applies only to loans financed by institutions other than SAFE. Proof of address and verification of employment is required. Minimum loan amount is $5,000. Promotional rate of 1.99% APR applies to 2019 and newer model-year vehicles for up to 36 months. Payment example: on a $25,000 auto at 1.99% APR for 36 months your payment would be $717/month. Financing up to 84 months available for qualifying vehicles. Payment example: on a $25,000 auto loan at 2.99% APR for 72 months your payment would be $380/month. All loans are subject to creditworthiness and credit approval. Maximum loan-to-value limits apply. Conditions and terms are valid through November 13, 2020 and then are subject to change without notice. Interest will still accrue with the “No Payments for 90 Days” offer, which is available with a credit score of 620 or higher.

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that is not operated by the cooperative. SAFE Federal Credit Union is not responsible for the content or availability of linked websites. SAFE Federal Credit Union does not make claims regarding the accessibility of third-party linked websites and is not able to make accommodations on such websites. Please be advised that SAFE Federal Credit Union does not represent either the third party or you, the member, if you enter into a transaction. Further, the privacy and security policies of the linked site may differ from those practiced by SAFE Federal Credit Union.

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