Logix Federal Credit Union
Logix — auto refi APR as low as 4.74% on a 36-month term, with up to 125% LTV.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means Logix Federal Credit Union does not publish this on their public site. "No restriction" means Logix Federal Credit Union explicitly states no limit.
Overview
Logix Federal Credit Union publishes a used-auto refinance APR grid (with the 1% AutoPay discount): 4.74% APR for 36 months, 4.99% APR for 48–60 months, 5.24% APR for 72 months, and 5.74% APR for 84 months.…
What’s great
- APR floor of 4.74% on a 36-month refi, includes 1% AutoPay discount
- Up to 125% LTV financing
- No prepayment penalties or extra fees
- No published vehicle-age cap — older models eligible regardless of mileage
What to know
- Logix membership required and limited to 9-state footprint
- Refinancing an existing Logix loan requires $5,000 cash-out or a $249 fee
- AutoPay must remain active or rate increases
Eligibility
| Minimum credit score | Not disclosed |
| APR range | 4.74% – 5.74% (used auto refi by term: 36mo 4.74%, 48mo 4.99%, 60mo 4.99%, 72mo 5.24%, 84mo 5.74%) |
| Maximum vehicle age | Not disclosed |
| Maximum mileage | Not disclosed |
| Loan amount range | Not disclosed |
| Term length | 36 – 84 months |
| States served | 9 states |
| Membership requirement | Logix membership is required |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from Logix Federal Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Logix Federal Credit Union before applying.
- [1]Logix Auto Loan Refinancing — used auto APR grid 4.74%–5.74% (36–84mo), up to 125% LTV, no payments for 90 days, no prepayment penalties — Logix Federal Credit Unionhttps://www.logixbanking.com/loans/vehicle-loans/refinancingLast checked: September 2026