What is required to refinance an auto loan with ESL?

You need a payoff letter from your current bank or finance company, a copy of your registration if the vehicle is free and clear, and the original title.

Who is eligible for an ESL auto loan?

You and any co-borrower must be ESL members, and at least one must be at least 18 years of age.

All lenders

Best for: Residents of the Greater Rochester area seeking local credit union service.

ESL Federal Credit Union

ESL Federal Credit Union — Financing for new and used vehicles with flexible terms and competitive rates.

Min credit

Not disclosed

APR

From 7.54%

Max vehicle age

Not disclosed

Max mileage

Not disclosed

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

"Not disclosed" means ESL Federal Credit Union does not publish this on their public site. "No restriction" means ESL Federal Credit Union explicitly states no limit.

Overview

ESL Federal Credit Union provides auto loan refinancing options for residents in the Greater Rochester area. You can refinance an existing auto loan from another lender to potentially secure a lower interest rate.…

What’s great

Competitive fixed rates for new and used vehicles
Variety of loan terms up to 84 months
Dividends may be earned through the Owners’ Dividend program

What to know

Membership is restricted to specific New York counties
Minimum loan amount of $15,000 required for terms over 66 months

Eligibility

Minimum credit score	Not disclosed
APR range	Not disclosed
APR floor (as low as)	From 7.54% — minimum only; full range not published
Maximum vehicle age	Not disclosed
Maximum mileage	Not disclosed
Loan amount range	Not disclosed
Term length	Up to 84 months
States served	Not disclosed
Membership requirement	Live, work, worship, or attend school in Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Steuben, Wayne, or Yates counties.

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from ESL Federal Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with ESL Federal Credit Union before applying.

[1]Auto Loan — ESL Federal Credit Union auto refinance details — ESL Federal Credit Union
https://www.esl.org/personal/loans/auto-leisure-vehicles/auto-loan?tab=3
Last checked: October 2026
[2]Automobile Loan Rates — ESL Federal Credit Union rates as of 2026 — ESL Federal Credit Union
https://www.esl.org/personal/resources-tools/rates/automobiles
Last checked: October 2026