Refinance and Save | Dade County Federal Credit Union

First, the basics:

Optional promo code: If you've already received a promo code, enter it here.

First name: as it appears on your drivers license.

Last name: as it appears on your drivers license.

Middle Name Initial: as it appears on your drivers license.

Suffix for name (senior,junior, etc.):

Phone number: Be sure to include area code (example: 555-555-5555). Invalid Phone Number

Email address:

Date of birth:

Marital status:

Driver's license (or State ID) number:

License/ID state:

Driver's license issue date:

Driver's license expiration date:

Driver's license type:

Social Security number: Invalid SSN

Confirm Social Security number: SSNs don't match.

Co-borrower:

What's this?

First name: as it appears on your drivers license.

Last name: as it appears on your drivers license.

Middle Name Initial: as it appears on your drivers license.

Suffix for name (senior,junior, etc.):

Phone number: Be sure to include area code (example: 555-555-5555).

Email address:

Date of birth:

Marital status:

Driver's license (or State ID) number:

License/ID state:

Driver's license issue date:

Driver's license expiration date:

Driver's license type:

Social Security number: Invalid SSN

Confirm Social Security number: SSNs don't match.

Relationship to Primary Borrower:

Monthly Gross Income:

Do you rent or own your home?

Monthly rent/mortgage payment:

Co-borrower Address:

Co-borrower street address:

Co-borrower apt/unit #:

Co-borrower city:

Co-borrower state:

Co-borrower ZIP code: Your ZIP code is required.

Current address since:

Co-borrower Employment:

Co-borrower Employment status:

Your job title:

Current employer since:

Employer's name:

Employer's phone number:

Employer's street address:

Employer's suite/unit #:

Employer's city:

Employer's state:

Employer's ZIP code:

Additional Loan to Refinance:

*You won’t have your credit pulled a second time for any additional loans.

Your Home Address:

Your street address:

Your apt/unit #:

Your city:

Your state:

Your ZIP code: Your ZIP code is required.

Current address since:

Next, the specifics:

Your Income, Credit, and Expenses:

Monthly income: Invalid Amount.

Do you rent or own your home?

Monthly rent/mortgage payment: Invalid Amount.

Your Vehicle:

Make: Invalid Make

Model:

Year:

Mileage: Invalid Mileage

VIN (Vehicle Identification Number): What's this? VIN, or Vehicle Identification Number, is a 17-character code that uniquely identifies your vehicle. It can be found on your insurance card or vehicle registration, or on a panel on your vehicle—either under the driver's-side windshield, or a panel on a driver's side door.

Confirm VIN: VINs don't match.

Your Current Loan:

Monthly payment: Invalid Amount

Remaining loan/payoff amount: Invalid Amount

Remaining term: Invalid Number of Months

Your Employment:

Employment status:

Your job title:

Current employer since:

Employer's name:

Employer's phone number:

Employer's street address:

Employer's suite/unit #:

Employer's city:

Employer's state:

Employer's ZIP code:

And Finally:

Is there any additional information you think we may need to help finance your loan?

By clicking "Submit my application!" below, I certify that everything I have stated in this application is correct. Dade County Federal Credit Union may keep this application whether or not it is approved. By submitting this application I authorize Dade County Federal Credit Union to verify the information I have submitted and obtain my credit report. I understand that I must update credit information at the request of Dade County Federal Credit Union if my financial condition changes.

FAQs

Frequently asked questions about the auto loan refinance process.

Is there a fee to apply?

There is no fee to apply. A processing fee may be applicable if you are approved.

What if I don't have excellent credit?

All credit scores are welcome! In fact, those with less-than-perfect credit often find more savings. Apply now to see what your savings might be every month. If you received an offer of credit letter with a promo code, you were already pre-qualified at that time and meet our initial credit criteria.

How do I benefit by refinancing my auto loan?

In most cases, if you financed through a dealership, you would probably save a significant amount by refinancing. Or if your credit score increased since purchasing the vehicle, you may qualify now for a lower rate.

What does pre-qualification mean?

Pre-qualification refers to being pre-approved based on the credit information provided to our financial institution by the credit bureaus. You were selected based on your credit score falling within an acceptable range. Other factors need to be reviewed before approval, like the vehicle information and your current employment information.

Once I am pre-qualified, when does my offer expire?

Your offer expires 6 weeks after you pre-qualify. You may use your offer up to the expiration date. If your offer expires before you are ready to refinance your vehicle, you are still welcome to apply, rates and payments are subject to change due to market conditions.

Do I have to extend the term of my current loan?

You are not required to extend your loan beyond your current term. In some cases, this may be required to meet lending requirements or if you are trying to maximize your monthly savings.

Is my personal information secure?

Dade County Federal Credit Union and our marketing partner take the security of your personal information seriously. Please review our privacy policy on our corporate website for details.

What documents will I need to provide the lender?

In general, these documents will be required:

Driver’s License
Registration
Proof of Insurance
Proof of Income
Title: if you are in a state where you are responsible for holding the vehicle title, you will need to provide it for the title to be perfected for the new lender
Other documentation may be required

Have a question not listed?

Give us a call at 352-437-8131 or email us at ask@autorefi.dcfcu.org.

Para hablar con uno de nuestros representantes en español por favor llámenos al 800-914-7536.

Refinance Your Current Loan. It’s Quick and Easy

Complete your loan application in four easy steps!

Apply In Minutes

To begin the process of being qualified to refinance your auto loan, fill out the entire application. We will contact you if any of the information is missing or appears to be incorrect.

Let Us Do The Work

Once we have your application complete…sit back and relax, as we will work on your behalf to find the best auto refinance interest rate and loan terms.

See Your Savings

After we receive the application, a loan officer will reach out to you within 1-3 business days with loan rates, terms, and any other information you may need. We will also answer any questions you may have.

Your New Loan

After we approve your new loan, just send us any required documentation the loan officer requires. Once everything is verified by your loan officer we will send you the documents electronically and you can then sign the documents right from your phone or computer.

Refinance Your Auto Loan with Dade County Federal Credit Union

& Make No Payments for 90 Days!