Vehicle Loan Refinancing

Lower your monthly payment.

Refinance Your Auto Loan and Save

Refinance your vehicle loan at Hughes Federal Credit Union and lower your monthly payment. And you can do it all online – no need to come in to a branch.

One Low Rate

We don’t switch loan rates based on your credit score. The rates we offer are simply one rate for all approved applicants. Save money and lower your monthly payment with our fixed or adjustable auto rate.

Apply online today.

Features & Benefits

  • A great fixed or adjustable rate
  • Flexible terms
  • Speedy turnaround
  • Term up to 7 years (84 months)

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


  • 4.75% APR*
    Adjustable Rate (Up to 72 Months)
  • 5.50% APR*
    Fixed Rate (Up to 72 Months)
  • 5.75% APR*
    Adjustable Rate (84 Months)
  • 6.50% APR*
    Fixed Rate (84 Months)
Effective Date: 04-17-2020

*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 6.50% fixed APR will have a monthly payment of $371.24.

Adjustable APR Example: A loan of $25,000 for 84 months at 5.75% adjustable APR will have a monthly payment of $362.23.

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.

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

Why Vehicle Loan Refinancing ?

Start your auto adventure with Hughes!

One Low Rate Icon

One Low Rate

We don’t switch loan rates based on your credit score. Just one interest rate for all approved applicants.

Speedy Turnaround

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


Flexible Terms

Up to 84 months.


Vehicle Loan Refinancing Frequently Asked Questions

We offer several options to repay your loan. 

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

Yes, we require full coverage insurance with comprehensive and collision deductibles of $1,000 or less. 

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


The adjustable rate is set by the credit union and is not tied to a prime index. Even though a rate may change during the life of the loan, the payment remains the same so you can continue staying on track with your budget. We fluctuate the term of the loan instead.