Vehicle Loan Refinancing

Lower your monthly payment.
Apply Now

Lower Your Vehicle Payment

Refinance with Hughes and keep it simple.

Refinancing your vehicle loan could reduce your monthly payment, and with Hughes, the process is fast. straightforward, and fully online.

Apply in minutes—no branch visit required.

A Smarter, Simpler Way to Refinance

Most lenders make refinancing complicated. We don't.

  • No hidden pricing adjustments
  • Fixed, predictable payments
  • Straightforward approval process

We focus on fair, transparent financing so you always know what to expect.

Why Refinance with Hughes?

  • Lower your monthly payment
  • Apply online in minutes
  • No need to visit a branch

Ready to Save?

Take a few minutes to see how much you could lower your payment.

Apply Now

Rates

5.95% to 13.95% APR*
Car & Truck (New & Used)

Features & Benefits

Optional Services

  • TruStage™ Discounted Auto Insurance
  • AutoSmart Car Buying Service
  • Debt Protection
  • Guaranteed Asset Protection (GAP) – Protect yourself against theft or total loss of your vehicle if your loan is greater than the amount paid by auto insurance
  • Low-cost Vehicle Service Contracts

Why Vehicle Loan Refinancing ?

Start your auto adventure with Hughes!

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Fast Response

Once we receive your application, we’ll contact you promptly to get everything finalized.  

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Flexible Terms

Up to 84 months.
Easy Application Process

Easy Application Process

Apply online in minutes from wherever you are.
Apply Now

FAQ

Vehicle Loan Refinancing Frequently Asked Questions

Can I lower my payment by refinancing my car?

Yes. Refinancing may reduce your monthly payment depending on your loan terms.

How can I make loan payments?

Hughes offers a number of ways to make your loan payment. Visit the Make a Payment page for details.

How can I see the status of my loan or account application?

Visit our application status portal to check the status of your application, upload documents, or send us questions or comments. 

 

Do I need full coverage insurance?

Yes. Vehicles financed through Hughes require full coverage insurance, including comprehensive and collision coverage.

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 after 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 to be mailed to you. If your unit is titled in a state other than Arizona, please contact your local motor vehicle department.



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Disclosures

Effective Date: 09-01-2026
APR = Annual Percentage Rate. The maximum APR, for any type of loan, shall not exceed the limit set by applicable law(s). The loan rate will be the rate in effect when the loan is completed. Advertised “as low as” annual percentage rates assume excellent borrower credit history. Your rate and/or term may vary depending on credit qualifications, amount financed, and other factors. The lowest rate shown is for well-qualified borrowers. All loans are subject to final credit approval. Rates and terms are subject to change at any time. Please contact a Credit Union employee for further information.

Fixed APR Example: A loan of $25,000 for 72 months at 5.95% fixed APR will have a monthly payment of $413.73. 

For consumer use only. Not for dealers/brokers or commercial use.

Hughes Federal Credit Union, 971 W. Wetmore Rd, Tucson, AZ 85705.