Are you paying too much for your auto loan? It’s time to SWITCH to FinancialEdge Credit Union and start saving! For a limited time, refinance your current auto loan with us and take advantage of this exclusive offer:

Refinance and Enjoy These Perks:

• Up to 1% APR* Off Your Current Rate – Lower your interest rate and save on your monthly payments.
• No Payments for 90 Days – Enjoy a break from payments and free up your cash flow!
• Fast & Easy Refinancing – We handle the details, so you can focus on what matters.
• Local, Personalized Service – We’re here to help you save and drive happy!
• My EZCar Care – Free benefits program that includes e-services for your vehicle, PLUS discounts on things like vehicle maintenance, entertainment, rentals, hotels, and more.
• Flexible Terms
• GAP Coverage available!

Why Refinance with FinancialEdge?

Refinancing your auto loan could save you hundreds—even thousands—over the life of your loan. If your current auto loan is with another lender, don’t wait! Make the SWITCH today and start driving happy with lower rates and better terms.

Use our convenient Loan Calculator to determine your monthly payment amount.

Apply for your Loan Today!

*APR = Annual Percentage Rate. Subject to approval based on creditworthiness. Rates may vary based on each individual’s credit history and underwriting factors. FinancialEdge Credit Union will reduce the rate of your existing non-FinancialEdge Credit union auto loan by 1% APR (subject to minimum rate of 4.75% APR). Term maximum of 72 months. Proof of the current rate and terms of the secured auto loan to be refinanced is required. Promotion only applicable to secured auto loans with a model year of 2018 and newer. Interest will accrue during the 90-day deferred payment period. New money only. Promotion does not apply to existing auto loans with FinancialEdge Credit Union, purchases or lease buyouts. Rates and terms are subject to change without notice. FinancialEdge Credit Union reserves the right to modify or discontinue this offer at any time without notice. Additional criteria may apply. Check with loan department for additional terms and details.

Stop Your Loan Payment(s)* Cold With Holiday Skip-a-Pay

The stress of the holidays can be overwhelming, and trying to cover all the additional expenses on top of your regular loan payments may seem almost impossible. That's why we're here to help! Our Holiday Skip-A-Payment program allows you to keep the extra needed dough in your pocket by skipping your qualifying* November OR December loan payment(s).

It’s easy to request your Holiday Skip-a-Payment for a small fee on your qualifying loan(s). Just complete the application and mail it to us, or bring a completed Skip-A-Pay request form to any FinancialEdge Credit Union office, and we’ll process it right away. All eligible requests must be received by the 31st of October (for November payments) or the 28th of November (for December payments).

To learn more, verify your eligibility below or get in touch with us. To ensure your loan is eligible, please ensure you check our Skip-A-Pay loan type exclusions.

Do I qualify?

We encourage financial responsibility, so your loan needs to be in good standing to use Skip-a-Payment. Ensure you meet the following criteria:

• All of my loans are current
• I am not trying to skip my very first payment on any loan
• The loan(s) I am trying to skip are at least 3 months old
• I have the $25 skip-a-pay fee(s) available
• I am not trying to skip the same loan payment more than 2 times in a calendar year

Non-Eligible loans:

• Mortgages
• Credit Cards
• MyLife Instant Cash Loans
• Home Equity Loans (any type)
• Any Loans with CPI
• Revolving/Open End Loans (any type)
• Troubled Debt Restructured Loans

When you're ready to get started, download and print the skip-a-pay form below and mail it in when complete, or click below for an online application. If you'd rather complete one in-person, we have some available at either of our office locations.

Skip-a-Pay form to print

Online Skip-a-Pay Form

*Eligibility requirements include all loans must be current, first payment on any loan cannot be skipped, eligible loans must be at least 3 months old, $25.00 skip-a-pay fee(s) must be available. Non-eligible loans include mortgages, credit cards, home equity loans, any loans with CPI, revolving/open end loans of any type and troubled debt restructured loans.

** To skip a holiday payment(s), the 2025 Holiday Skip-A-Payment Program form must be filled out and received by October 31, 2025 (for November Payments) or November 28, 2025 (for December payments). Forms received after the November 28h deadline will not be eligible for skips.