Refinance your auto loan and save!

• Match and Beat: We'll match your current rate and beat it by 2%!
• Low Rates: Rates as low as 5.50% APR.
• No Payments for 45 Days: Enjoy no payments for the first 45 days.
• Fast Approval: Get approved in as little as 24 hours!
• Limited Time Offer: Act now to take advantage of these savings!
• Easy Online Application: Apply online in minutes from the comfort of your home.

 

Contact Us Today!

• Call: 602-246-5120
• Text: 602-246-3434

 

What Our Customers Are Saying:

• "Refinancing with this program was a breeze! I saved money and the process was so smooth." - Jane D.
• "I couldn't believe how much I saved on my monthly payments. Highly recommend!" - John S.
• "The no payments for 45 days was a lifesaver. Great service and support throughout." - Emily R.

 

Why Refinance?

• Lower Monthly Payments: Refinancing can reduce your monthly payments, freeing up more of your budget for other expenses.
• Save on Interest: By securing a lower interest rate, you can save a significant amount over the life of your loan.
• Flexible Terms: Choose a loan term that fits your financial goals, whether you want to pay off your loan faster or lower your monthly payments.
• Improved Cash Flow: With no payments for the first 45 days, you can enjoy immediate relief and better manage your finances.
• Streamlined Process: Our fast approval and easy online application make refinancing simple and convenient.

 

Benefits of Using Our Service:

• Personalized Support: Our loan specialists are here to guide you through every step of the refinancing process, ensuring you get the best deal possible.
• Competitive Rates: We offer some of the lowest rates in the market, helping you save more on your auto loan.
• Convenient Application: Apply online, over the phone, or via text—whichever method suits you best.
• Trusted by Customers: Our satisfied customers speak for our commitment to excellent service and support.
• Local Expertise: As a local credit union, we understand your needs and are dedicated to serving our community. We have deep roots in the area and a strong commitment to supporting local members. Our team is familiar with the local market conditions and can provide tailored advice to help you make the best financial decisions. We pride ourselves on being accessible and responsive, ensuring you receive the personalized attention you deserve.

 

Tips to Prepare for Refinancing:

1. Check Your Credit Score: A higher credit score can help you secure a better interest rate. Review your credit report for any errors and work on improving your score if needed.
2. Gather Necessary Documents: Have your current loan details, proof of income, and identification ready. This will speed up the application process.
3. Compare Rates: Look at rates from different lenders to ensure you're getting the best deal. Remember, we’ll match and beat your current rate by 2%!
4. Calculate Your Savings: Use an online calculator to estimate how much you can save by refinancing. Consider both the monthly savings and the total interest saved over the life of the loan.
5. Understand the Terms: Make sure you understand the terms of the new loan, including any fees or penalties for early repayment.
6. Plan Your Budget: Consider how the new loan payments will fit into your budget. The 45-day no payment period can help you adjust to the new payment schedule.

 

Refinancing Preparation Checklist:

• Check Credit Score: Ensure your credit score is accurate and as high as possible.
• Gather Documents: Collect your current loan details, proof of income, and identification.
• Compare Rates: Research and compare rates from different lenders.
• Calculate Savings: Use an online calculator to determine potential savings.
• Review Loan Terms: Understand the terms, fees, and any penalties of the new loan.
• Plan Budget: Adjust your budget to accommodate the new loan payments.

 

Frequently Asked Questions:

• What is the minimum loan rate offered?
  • The minimum loan rate offered is 5.50% APR with approved credit.
• Do I need to provide proof of my current interest rate?
  • Yes, proof of your current interest rate is required to qualify for the rate match and beat offer.
• Are there any exclusions to this offer?
  • Yes, this offer excludes ACU loans, recreational vehicles, and motorcycles.
• Will interest accrue during the 45-day no payment period?
  • Yes, loan interest will continue to accrue during the 45 days.
• How can I apply for this program?
  • You can apply online at alhambracu.com/apply, call us at 602-246-5120, or text us at 602-246-3434.
• Is there a membership requirement?
  • Yes, a minimum $25 account is required to establish membership.
• Does my Alhambra Credit Union auto loan qualify?
  • No, this promotional offer applies only to auto loans being refinanced from another Financial institution. However, you can always apply to see if you qualify for a better rate. An increase of Credit score, reduction in loan term, and other factors may qualify a lower rate.

 

Terms and Conditions:

• With approved credit. Minimum loan rate is 5.50% APR.
• Proof of current interest rate required.
• Rates subject to change without notice.
• Program can be canceled at any time.
• Loan interest accrues during the 45 days.
• Minimum $25 account required to establish membership.