Skip to main content
  • Like Us on Facebook
  • Visit our YouTube Channel

Refi-Rewards Auto Loan

Rescuing your auto loan? It's what we do.

Apply Now View Rates

With Refi-Rewards, you get something that no other financial institution offers... we'll return a portion of the interest you pay each year. We've paid over $92,000 to our members!

If you're not sure you have the best deal on your auto loan, talk to us. At Members First, we're like mini money ninjas - here to rescue your loan! We're small enough to get to know you, which lets us make a big difference in your finances.

That's why we created Refi-Rewards. We heard from people with auto loans at other financial institutions that high rates, no rewards and lots of strings attached were making it hard to get ahead. So when you refinance with us, you get our personal, friendly service and low rates - but you also get a 15% rebate on the interest you pay every year.*

Refi-Rewards is truly that simple: refinance your auto loan with us, and we'll refund some of the interest you pay each year as a thank you.


Apply now and make no payments for 90 days!*

You can be payment free for 90 days just by refinancing your auto loan from another financial institution. And, with our Refi-Rewards** auto refinancing program, we’ll even refund some of the interest you pay each year as a thank you! Chances are, with rates as low as 2.50% APR*** we can lower your monthly payment and save you money.


Why a Refi-Rewards Auto Loan at Members First?

  • Get cash back on the interest you pay each year for the life of the loan**
  • Get the same low rate whether it’s new or used
  • No strings attached to get the best rate

Curious about the savings? Check our rates and give our auto loan calculator a try.

Whether you want to find out more, or you're ready to apply right now, we're here to help.


*No payments for 90 days limited time offer subject to change at any time without notice. Not valid on existing Members First Credit Union auto loans. Finance charge begins from date of funding and is repaid over the term of the loan. Loans subject to credit approval and credit history. Members deferring payments for 90 days are ineligible to participate in the skip a payment program for 12 months from date of first payment.

**Auto loans refinanced with Members First Credit Union from another financial institution only. Interest rebate equals 15% of the total interest paid by the member each calendar year. Interest rebate paid in January of each year for the previous calendar year over the life of the loan as a deposit to the member's savings account. Loans paid off prior to December of the calendar year will receive rebate in January of following year. Savings account must be open and in good standing to receive rebate. Member must not be more than 60 days delinquent at any time during the life of the loan. Loans subject to credit approval and credit history. Excludes commercial vehicles. Offer not valid on existing MFCU auto loans. Subject to change at any time without notice.

***Annual Percentage Rate (APR) accurate as of 5/1/21, based on a loan amount of $15,000 including a $60 processing fee and subject to change without notice. Minimum loan amount of $25,000 required for 76-84 month term. All loans are subject to credit approval and credit history. New auto is a current year vehicle with no more than 6,000 miles on the odometer. Maximum Loan to Value (LTV) and rate determined by credit history. VSI of $75-$95 will be charged per collateral on all collateral loans.