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Best for: Borrowers with a car loan reporting at least six months who want a Drive Down rate cut

Truliant Federal Credit Union

Truliant Federal Credit Union — Drive Down refinance rates published as low as 4.49% APR.

Min credit
Not disclosed
APR
4.49%–17.99%
Max vehicle age
Not disclosed
Max mileage
Not disclosed

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

Overview

Truliant Federal Credit Union's Drive Down program refinances auto loans currently held at another lender, offering a rate cut of up to 2.00% APR off your current rate. As of October 2026, refinance rates start as low as 4.49% APR, with a published maximum APR of 17.99%.…

What’s great

  • Published APR range of 4.49%–17.99% for refinance loans
  • 100% financing available with no down payment
  • 90-day first-payment deferral option
  • Nationwide membership available through the American Consumer Council

What to know

  • Minimum loan amount of $5,000 for the refinance offer
  • Vehicle must be reporting on your credit for at least six months
  • Offer limited to model years 2019-2026

Eligibility

Minimum credit scoreNot disclosed
APR range4.49% – 17.99% (Drive Down refinance program; vehicle must be reporting on credit for at least six months, minimum loan amount $5,000, valid on model years 2019-2026.)
Maximum vehicle ageNot disclosed
Maximum mileageNot disclosed
Loan amount rangeNot disclosed
Term lengthNot disclosed
States servedNot disclosed
Membership requirementOpen to residents of any U.S. state who join for free through the American Consumer Council, plus those who live, work, worship, or attend school near a branch, immediate family or household members of current members, and employees of partner companies.

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

  1. [1]Auto Loan Refinancing + Lower Payments | Save Thousands Over Your Loan — Truliant Federal Credit Union
    https://www.truliantfcu.org/borrow/auto-loans/refinance
    Last checked: October 2026
  2. [2]Credit Union Membership + Better Banking | Join Online in 10 Minutes — Truliant Federal Credit Union
    https://www.truliantfcu.org/bank/become-a-member
    Last checked: October 2026