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Federally insured by the NCUA.  Equal Housing Lender. NCUA and Equal Housing Lender logos
NCUA and Equal Housing Lender logos
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VEHICLE REFI SPECIAL

More Holiday Cash — Refi your Auto Loan and Save!

Relax this holiday season and keep your cash for this special time of year.

Start Your Refinance Today Talk to a Representative
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Beat Your Rate by 1.5% (or better)* -OR- Get $200 Cash Back*
PLUS No Payment for 90 Days*

A Refi That Rewards You — Right Now.

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

Is your current vehicle loan costing you too much every month? At MTC Federal, we believe hardworking people deserve a financial break — especially during the holidays.

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

We’ll Beat Your Current Rate by 1.5% or Pay You $200*

Either way, you win.

PLUS

No Car Payments Until 2027*

Relax and keep your cash through the holidays.

PLUS

Fast & Easy Refinance Process

No hassle. No stress.

PLUS

Personalized Service from Local Experts

We’re with you every step of the way.

Start My Refinance

THE VEHICLE LOAN PROCESS

From Application to Keys in Hand

1

Apply Online or Call Us

Fill out our quick form below or call 800-277-8793 to speak with a lending experts.

2

We’ll Review Your Loan

Our team finds the best rate and savings options for you.

3

Enjoy More Holiday Cash

No payments until 2026 and money left over for the things that matter most.

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Start the Approval Process

Lower your auto payment the fast, simple way.

Most applications get a decision the same business day. Let’s get you on the road, fill out the form below or call 800-277-8793 to speak with an expert.

Select a Refinance Type

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©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.