Refinance Without the Credit Score Game - One Low Rate®.
Lower your payment. Keep it simple.
Refinance your vehicle with Hughes Federal Credit Union and simplify your loan. Apply online in minutes—no branch visit needed.
One Low Rate®
No tiers. No surprises.
Your rate isn't based on your credit score.
- Same rate for all approved members
- Fixed, predictable payments
- No rate markups
Most lenders adjust your rate when you refinance. We don't.
We focus on straightforward, fair financing.
Ready to Lower Your Payment?
- Refinance online in minutes
- No branch visit required
Frequently Asked Questions
Can I lower my payment by refinancing my car?
Yes. Refinancing may reduce your monthly payment depending on your loan terms.
Do you base refinance rates on credit score?
No. With One Low Rate®, every approved member receives the same rate.
How can I make loan payments?
Hughes offers several ways to make your loan payment. Visit the Make a Payment page for details.
If I have already applied, how can I check the status of my application?
Visit our application status portal to check your application status, upload documents, or submit questions or comments.
Am I required to carry full coverage insurance?
Yes, we require full coverage insurance with comprehensive and collision deductibles of $1,000 or less.
Do I need to notify my insurance company when I get a loan with Hughes?
Yes. You will need to provide your insurance company with the following lienholder information:
Hughes Federal Credit Union
PO Box 461385
San Antonio TX 78246-1385
Phone: 1-888-667-9103
Fax: 1-866-736-9183
Website: imcovered.com/hughesfcu
Full coverage insurance is required during the full term of loan with comprehensive and collision deductibles of $1,000 or less.
Will I receive a paper title from the MVD upon paying off my vehicle loan?
No. As of April 1, 2020, the Arizona Motor Vehicle Division (MVD) will no longer mail paper titles. Once you pay off your vehicle loan, the credit union will release the lien within 7-10 business days. In Arizona and some other states, your title now appears in their systems electronically. Please visit the ADOT Vehicle Title and Registration page for more information. If you want a paper title, call the Arizona MVD at 602-255-0072 and request one for a $4 fee. If your unit is titled in a state other than Arizona, please contact your local motor vehicle department.
Rates
8.95% APR*
Fixed Rate (Up to 72 Months)
9.95% APR*
Fixed Rate (84 Months)
Features & Benefits
- A great fixed or adjustable rate
- Flexible terms
- Term up to 7 years (84 months)
- Submit a Debt Protection Claim
Optional Services
Speedy Turnaround
Once we receive your application, we’ll contact you promptly to get everything finalized.
Flexible Terms
Up to 84 months.Disclosures
Effective Date: 04-01-2026
*Annual Percentage Rate (APR) and loan terms can affect your monthly payments. Use a Hughes Financial Calculator to calculate payment amounts for fixed rate loans.
Fixed APR Example: A loan of $25,000 for 84 months at 9.95% fixed APR will have a monthly payment of $414.38.
All loans subject to approval. Certain restrictions may apply. Rate based on creditworthiness and subject to change. The disclosed rates are based upon your credit score and other loan qualifications. A down payment may be required. Contact Hughes Federal Credit Union for additional information.
One Low Rate® applies to all Hughes Federal Credit Union loans except credit builder loans; mortgage and student loans, which are offered through an outside vendor. For members with approved credit. Certain restrictions apply.
Hughes Federal Credit Union, 971 W. Wetmore Rd., Tucson, AZ 85705.