Vehicle Loan Refinancing

Lower your monthly payment.
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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
Apply Now

Rates

8.95% APR*
Fixed Rate (Up to 72 Months)
9.95% APR*
Fixed Rate (84 Months)

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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One Low Rate®

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

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

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Flexible Terms

Up to 84 months.
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.

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 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. 

 

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 to be mailed to you for a $4 fee. 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: 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.