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Best for: Pennsylvania-area members who want no application or prepayment fees

Members 1st Federal Credit Union

Members 1st — dedicated refinance application with no application fees or prepayment penalties.

Min credit
Not disclosed
APR
Not published
Max vehicle age
Not disclosed
Max mileage
Not disclosed

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

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"Not disclosed" means Members 1st Federal Credit Union does not publish this on their public site. "No restriction" means Members 1st Federal Credit Union explicitly states no limit.

Overview

Members 1st Federal Credit Union, based in Pennsylvania, offers a dedicated vehicle refinance application. It charges no application fees or prepayment penalties and offers terms up to 84 months. Non-members can apply but must join Members 1st.…

What’s great

  • Dedicated refinance application
  • No application fees and no prepayment penalties
  • Terms up to 84 months

What to know

  • APR range is not published as a static figure
  • Minimum credit score is not published
  • Membership required to close the loan

Eligibility

Minimum credit scoreNot disclosed
APR rangeNot disclosed
Maximum vehicle ageNot disclosed
Maximum mileageNot disclosed
Loan amount rangeNot disclosed
Term lengthUp to 84 months
States servedNot disclosed
Membership requirementMembers 1st membership required; non-members join during the application

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 Members 1st Federal Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Members 1st Federal Credit Union before applying.

  1. [1]Members 1st Select Your Auto Loan — 'Refinance Your Vehicle' application; no application fees; no prepayment penalties; terms up to 84 months; non-members must join — Members 1st Federal Credit Union
    https://www.members1st.org/personal/borrow/auto-loan/select-your-loan
    Last checked: October 2026
  2. [2]Members 1st Auto Loan Rate Center (rates effective October 8, 2026; rates shown via interactive tool) — Members 1st Federal Credit Union
    https://www.members1st.org/ask-us/rate-center/auto
    Last checked: October 2026