Auto Refinance
Refinance your wheels
Own the road when your refinance your Auto Loan with Fortera!
Why refi?
Refinancing is an easy way to keep money in your pocket. Whether you're a member of Fortera or you're new here, bring your auto loan from another financial institution and refinance to lower your car payment or your annual percentage rate (APR) or maybe even both! Small percentages can make a big difference in your wallet weight long term.
Used Auto Loan Rates
| Type | Term | APR* |
|---|---|---|
Type:
Used Autos 2021 to 2023
| Term:
Up to 60 Months
| APR*:
7.24% - 16.24%
|
Type:
Used Autos 2021 to 2023
| Term:
Up to 72 Months
| APR*:
7.24% - 16.74%
|
Type:
Used Autos 2021 to 2023
| Term:
Up to 84 Months
| APR*:
7.74% - 10.24%
|
Type:
Used Autos 2019 to 2020
| Term:
Up to 60 Months
| APR*:
7.74% - 17.24%
|
Type:
Used Autos 2019 to 2020
| Term:
Up to 72 Months
| APR*:
7.74% - 17.99%
|
Type:
Used Autos 2019 to 2020
| Term:
Up to 84 Months
| APR*:
8.24% -10.74%
|
Type:
Used Autos 2016 to 2018
| Term:
Up to 60 Months
| APR*:
8.49% - 17.49%
|
Type:
Used Autos 2016 to 2018
| Term:
Up to 72 Months
| APR*:
8.99% - 18.00%
|
Type:
Used Autos 2011 to 2015
| Term:
Up to 60 Months
| APR*:
9.99% - 18.00%
|
Type:
Used Autos 2010 and Older
| Term:
Up to 36 Months
| APR*:
11.74% - 18.00%
|
Type:
Used Autos 2010 and Older
| Term:
Up to 48 Months
| APR*:
12.74% - 18.00%
|
Type:
Used Autos 2010 and Older
| Term:
Up to 60 Months
| APR*:
14.24% - 18.00%
|
Existing Fortera Members may be eligible for additional discounts. Click here to learn more.
*The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on the member's credit history and the term of the loan. Not all members will qualify for the best or lowest rate. Loan to Value up to 130%. All loans are subject to approval. Rates, terms, and conditions are subject to change.
Used Auto Loan Payment Example: For a $40,000 loan for a term of 6 years with a 9.99% APR, the monthly payment will be $741.19.
Auto Loan Benefits
First-time borrowers deserve a strong start. That’s why we’ll help you establish your credit history, no co-signer necessary. Borrow up to $10,000 toward a car or truck loan and drive off into the sunset knowing your first time borrowing experience is behind you.
With our 90 Days No Pay policy*, you can cruise through the first three months of your auto loan without making a payment.
*Limited time offer. Interest will begin accruing on day one of the loan and continue through the deferred payment period.
Auto Pay Advantage is an easy win. First, set up automatic loan payments from your Fortera account in just a few clicks. You’ll never miss a payment, and depending on your loan type, you might even snag a discount.
On the couch or on the go, keep your money close with our Mobile App and Online Banking.
Credit Unions around the world work together to make sure our members can use branches and ATMs everywhere — surcharge-free. Nice, right? Download our CO-OP app and plot your next getaway.
Our skilled experts are easy to reach and happy to help. For members and non-members alike, meetings and consultations are always free, so make the most of your money, on us.
With us, your money is always protected and insured by the National Credit Union Administration. You’re covered on all deposits up to $250,000, so save away.
Or even a lot. Either way, we’re here. Call, text, or chat with our experts anytime you need a friend who knows all things Fortera.
What are you waiting for?
Member Resources
Show me the quick links! These are the things we always seem to need and can never seem to find.
If your life takes an unexpected turn, your family’s finances can be strained. But with Member's Choice Borrower Security with Life Plus, your loan payments or balance may be canceled, up to the contract maximums, in case of involuntary unemployment, disability, or death. It’s just one more way you can look out for the people you love.
Take an important step toward financial security. Email us at loans@forteracu.com and ask about Member's Choice Borrower Security with Life Plus today.
Your purchase of Member's Choice Borrower Security with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Member's Choice Borrower Security with Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.
Unique ID & Copyright
DP-3415592.1-0121-0423 CUNA Mutual Group ©2023, All Rights Reserved.
Need to submit a claim? No problem, we've got you covered. You can submit a claim at myclaim.cunamutual.com. If you have any questions, please text us at 931.431.6800 or email us at info@forteracu.com and we will be happy to help.
To verify your identity, we always ask that you come prepared with a government-issued ID. It is important that it is not expired. Examples of acceptable IDs include a State Driver's License or a U.S or Foreign Passport. If we have trouble validating your ID, we may ask for a secondary ID. If you have a question about whether or not an ID can be used, just text us at 931.431.6800.
In addition to identification, you will also need to bring:
- Buyers order
- Window sticker or invoice
- Exact mileage
- Proof of insurance with Fortera Credit Union listed as lien holder
- Income verification
Have questions? You can email us at loans@forteracu.com, text us at 931.431.6800, or video call us. Whichever works for you works for us.
Use this calculator to help you determine your monthly car loan payment or your car purchase price. After you have entered your current information, use the graph options to see how different loan terms or down payments can impact your monthly payment. You can also examine your complete amortization schedule by clicking on the 'View Report' button.
Learn more about a variety of different products and services offered to all credit union members through TruStage.
As a Fortera Credit Union member, you have access to additional insurance protection through our partner, TruStage. They provide Life, Auto, Home, and Accidental Death Coverage. You can get up to $1,000 of Accidental Death coverage for free by visiting trustage.com and claiming your offer.
If you have questions for our team about TruStage insurance, please text us at 931.431.6800 or email us at info@forteracu.com.
FAQs
You've got the Q's, we've got the A's.
Yes! You can always make additional payments. What works for you, works for us.
Yep! You can make payments toward this loan from Online Banking and you can make payments from a different bank account using our Make A Payment feature.
Yes! Refinancing is an easy way to keep money in your pocket. Whether you're a member of Fortera or you're new here, bring your auto loan from another financial institution and refinance to lower your car payment or your annual percentage rate (APR) or maybe even both! Small percentages can make a big difference in your wallet weight long term.
You may also like...
Recreational Auto Loan
Adventure awaits, and we’re here to help you chase it down.
Used Auto Loan
A pre-driven car is no small investment. Make your new-to-you ride your own — on your budget and time table.
New Auto Loan
Competitive rates and flexible financing options for your new ride.
What's New
