Vehicle Refinancing


Let Us Beat Your Rate By 1% or MorePLUS take a 3-month payment vacation!

Not only is it possible to refinance your car, but you may qualify for a pretty spectacular rate if you currently have your car loan with another lender.

If you have a vehicle loan, and it’s not with TopMark FCU, You’re paying too much!

  • We’ll beat your loan rate with another lender by a full 1%*
  • It costs you nothing to refinance
  • Auto, Motorcycle and RVs
  • Terms up to 84-months on Autos and Motorcycles and 120-months on RVs
  • Make no payments for 3 full months
  • Rates as low as 2.49% APR

Lower your interest rate and take 3 months off of making your loan payment.
Why wouldn’t you??


What Do I Get?

Up to 100% LOCAL Financing  
Financing Locally Builds YOUR Community

No Pre-payment Penalties  
   Always ask about this feature before you choose another Lender!

Optional Low-Cost Payment Protection Plans 
    We offer Credit Life, Credit Disability, GAP Protection and Mechanical Breakdown Protection 

Winter & Summer Skip-A-Pay Opportunities   
       We offer Skip A Payment twice a year.

Convenient Payment Options
       Terms up to 84-months.  Pay monthly, bi-weekly, by direct deposit, Bill Pay or at one of our offices.

Manage your Auto Loan with our TopMark Online Banking 
        Making payments and reviewing your statement is simple!

You'll always speak with a TopMark employee over the phone or in-person.          
Many lenders do not have local offices.


The not so fine print:

*1% off your current APR (Annual Percentage Rate) for Auto, RV or Motorcycle loans held by a lender outside TopMark FCU.  Terms up to 84-months on Auto and Motorcycle and up to 120-months on qualifying RV loan.
For qualified borrowers, we’ll lower your current rate by up to 1% or offer you our current rate, whichever is lower. Loan applicant must provide proof of current rate. Normal lending criteria apply. Not valid with any other offers.  Floor rate 1.99% applies.  No payment for up to 90-days for qualified applicants. 

TopMark Federal Credit Union is an Equal Opportunity Lender.

Apply Online