Skip to main content
mtcf-047a-bra-header-2
 
 

REFINANCE

YOUR CAR LOAN

Lower Your Auto Rate NOW

LOWER YOUR
PAYMENT

THE FAST, SIMPLE WAY.

MTC Federal will beat your current auto loan rate by 1.5% (or better)*

If we can’t beat your current auto loan rate, we’ll give you $200 to move your current loan (rate and terms) with another lender to us.* You truly have nothing to lose. If we can’t beat your rate by 1.5% then you get $200. And did we mention no payments for 90-day?

Start My Refinance
mtcf-047a-bra-sign-1
Beat your current rate by 1.5%*
Or receive $200 cash*
No payments for 90-days*
mtcf-047a-bra-sign-2
Apply in minutes.
Quick decisions.
Minimal documentation.
mtcf-047a-bra-sign-3
Not-for-profit = better rates
We work for hardworking people, not stockholders.
mtcf-047a-bra-sign-4
Personalized guidance from a caring lending expert.
No pressure — just the facts.

Quick. Easy. No Roadblocks.

Little time. A lot of savings.
We make refinancing fast, friendly, and frustration-free.
Fill out the Quick Form below.
Explore refinancing your current auto loan
with a refinance expert.
Call us at 800-277-8793.

Lower Your Auto Rate NOW!

By proceeding, I am consenting to receive phone calls, SMS (text messages) and emails from MTC Federal. I expressly consent to be contacted by MTC Federal or its agents on a recurring basis at the phone number and/or email address | provided regarding products or services via live, automated or prerecorded phone calls, SMS (text messages) or email. I understand that my telephone company may impose charges on me for these contacts, and that I am not required to sign this agreement as a condition of purchase of property, goods, or services. I understand that I may cancel this consent at any time. Reply STOP to cancel, HELP for help. Msg & data rates may apply. Msg freq. varies. Terms and Conditions/Privacy Policy apply.
©2026 MTC Federal Credit Union. Certain restrictions apply. Subject to credit approval. Minimum rate of 4.25% APR, the loan balance must be $10,000 or higher, and the remaining term of the loan must be greater than or equal to 24 months. The term of the transferring loan cannot be extended more than 3 months. Offer valid for refinances from non-MTC Federal lenders only. $200 incentive applies when refinancing at current terms. 90-day payment deferral available to qualified borrowers. Interest accrues when the loan originates. Federally insured by the NCUA.