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Best for: Texas residents refinancing a Texas-registered vehicle

University Federal Credit Union

UFCU — published 4.49%–17.40% APR auto loan rates by credit tier.

Min credit
Not disclosed
APR
4.49%–17.40%
Max vehicle age
Not disclosed
Max mileage
Not disclosed

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

Overview

UFCU says moving an existing auto loan to a lower rate can reduce your monthly payment or shorten your term, and refinancing is often the simplest place to start. As of its published rate table, APRs range from 4.49% to 17.40% depending on your credit and risk score and loan term, with surcharges ad…

What’s great

  • States that refinancing is often the simplest place to start and can lower your payment or shorten your term
  • Published APR table by credit tier and term, from 4.49% to 17.40%
  • Encourages applicants unsure of their credit to seek preapproval

What to know

  • Only refinances vehicles registered in Texas
  • APR increases 0.50% for vehicles over 3 years old and 2.00% for vehicles over 10 years old or 100,000 miles

Eligibility

Minimum credit scoreNot disclosed
APR range4.49% – 17.40% (Rate depends on credit and risk score and loan term; add 0.50% APR for vehicles more than 3 years old and 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles.)
Maximum vehicle ageNot disclosed
Maximum mileageNot disclosed
Loan amount rangeNot disclosed
Term lengthNot disclosed
States served1 states
Membership requirementNot disclosed

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

  1. [1]Auto Loans — UFCU
    https://ufcu.org/personal/loans/auto
    Last checked: October 2026
  2. [2]Apply for a Vehicle Loan — UFCU
    https://ufcu.org/personal/loans/apply/vehicle-loan
    Last checked: October 2026