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Auto Loan Refinancing


Auto Loan Refinancing

Rates as low as

4.99% APR **



A smiling family of three leans out of a car window on a road trip. Learn more about refinancing car loans from Topside FCU.

At Topside Federal Credit Union, members can receive up to 1% cash back on their auto loan refinance from another lender.*



Refinancing Your Car Loan With Great Benefits

When it comes to auto loan refinance, Virginia and Maryland residents trust Topside Federal Credit Union. Members know they’ll get a great rate, terms to fit their needs and circumstances, and a hassle-free application and approval process. We also offer 1% cash back up to $250 on all of our auto loan refinances. If you’re thinking about refinancing your auto loan, you want a financial institution behind the wheel that will give you a smooth ride.


1% Cash Back (up to $250) on Auto Loan Refinances From Another Lender

Easy Online Application

Low Interest Rates

Electronic Document Signature

Funds Often Available Same Day as Approval

GAP Coverage & Extended Warranty Options


See Our Car Loan Rates

Refinance your auto loan with rates as low as possible for a lower monthly payment and a little more extra cash in your budget.

See Our Refinance Rates


Calculate Your New Loan Payment

Use our calculator to find out how your new loan amount and payment could work in your budget.

Est. Monthly Payment: 0


How to Apply

We offer a user-friendly, streamlined online application process that makes refinancing as simple and easy as a weekend drive!

step 1 Apply Online or Schedule an Appointment You can fill out our simple online application or schedule an appointment to apply for a loan in person.
step 2 Sign Your LoanReview your loan terms and sign them from your device at your convenience with DocuSign®.
step 3 Enjoy Convenience and AccessibilityOnce you’re approved, our convenient online banking and E-Statement service allows you to set up automatic payments so you never miss a payment!




Car Loan Frequently Asked Questions



More Auto Loan Resources

See some other services and programs we offer to help you protect your loan and your vehicle. If you have questions about them or our other products and services, please let us know. We are here to help.

GAP Insurance

a man and woman talk by the roadside about a car accident they just had.

Waive all or part of your remaining loan balance if an accident happens.

Learn More

Mechanical Breakdown Protection

a man with a broken-down car that has the hood up tries to work on it with a sunset in the background.

Protect your vehicle from unexpected repair costs due to mechanical or electrical failure.

Learn More






Ready to Get Pre Approved for a New Car Loan?

It’s time to drive off in your dream car. Apply now or contact us with questions. We’re always here to help.



* For Cash Back: The minimum loan amount is $10,000, maximum loan amount is $75,000. The minimum loan term is 12 months, maximum loan term is 84 months. Maximum cash back amount is $250 per loan. Cashback amounts are subject to all applicable taxes and are the responsibility of the member. Membership eligibility is required. All credit union loan programs, rates, terms and conditions are subject to approval and change at any time without notice. Existing Topside FCU loans do not qualify for this offer. The cashback will be deposited into the member’s savings account approximately 90 days after loan closing, upon verification of on-time monthly payments.

**Annual percentage rate may vary depending on individual credit history and underwriting terms. View for more information.