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Best for: Members in the southeast wanting a 90-day deferral on a refi

VyStar Credit Union

VyStar — auto refinancing with terms up to 84 months and no payments for up to 90 days.

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 VyStar Credit Union does not publish this on their public site. "No restriction" means VyStar Credit Union explicitly states no limit.

Overview

VyStar Credit Union offers auto refinancing with terms of 48, 60, 72, or 84 months and lets new refis defer the first payment for up to 90 days. Rates, credit-score floors, and mileage/age caps are not published on the public refinance page; members must check VyStar's rate sheet or apply for a pers…

What’s great

  • Terms up to 84 months
  • No payments for up to 90 days on a refi

What to know

  • No published APR, credit-score, mileage, or vehicle-age criteria
  • Membership required

Eligibility

Minimum credit scoreNot disclosed
APR rangeNot disclosed
Maximum vehicle ageNot disclosed
Maximum mileageNot disclosed
Loan amount rangeNot disclosed
Term length48 – 84 months
States servedNot 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 VyStar Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with VyStar Credit Union before applying.

  1. [1]VyStar Auto Refinancing — terms up to 84 months, 90-day first-payment deferral, rates published on separate rate sheet — VyStar Credit Union
    https://vystarcu.org/personal/borrow/auto-and-recreational-loans/auto-refinancing
    Last checked: September 2026