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Refinance and lower your monthly payment
Make your new-card-smile even bigger! Right now, when you finance a new, used or refinance auto loan with Gulf Winds, get a $50 gas card.
*$50 Shell Gas Card received for any new Gulf Winds Federal Credit Union auto loan closed between March 20, 2017 and March 31, 2017. Promotion ends March 31, 2017. Auto loans for new or used car purchase or refinance qualify for $50 Shell Gas Card. $50 Shell Gas Cards will be received within two weeks of the end of the promotion. $50 Shell Gas Cards will be mailed to the account address on file with no exceptions. $50 Shell Gas Cards will not be available in branch. Not responsible for undelivered gas cards.
Save thousands by lowering your monthly payment and paying less interest when you refinance your auto loan to a lower rate.
Visit your local branch or call us toll-free at 1.800.650.6328.
Why refinance your auto loan?
The number one reason to refinance your auto loan is to simply save money. Maybe you didn't get the best rate when you purchased your vehicle. Maybe your credit has improved since your purchase and you can now command a lower interest rate.
When you refinance your auto loan with Gulf Winds, you can refinance it for however many months you have remaining on your current auto loan. That way your payoff date won't be extended but you will still save money with our lower rate.
Gulf Winds offers:
An auto loan refinance can be a great way to save money every month with lower payments and better rates.
For example, say when you purchased your vehicle, you financed $26,000 over six years at 5.49% APR. Your monthly payment is $424.66. One year later, you've paid over $1,300 in interest! At the end of the six-year loan, you will have paid more than $4,500 in interest.
View the chart below to see how refinancing your auto loan can save you money every month.
|Refinanced Auto Loan†||Continue Current Loan†|
|Term||60 months||60 months|
†Amounts used for illustration purposes only.
|Term||APR Range||Est. Payment/$1,000 Borrowed|
|Up to 36 months||1.49% - 12.49%||$28.42 - $33.45|
|Up to 66 months||1.99% - 15.99%||$16.01 - $22.87|
|Up to 75 months||2.74% - 17.49%||$14.52 - $22.01|
|Up to 84 months||3.99% - 5.99%||$13.66 - $14.60|
Rates as of . Maximum loan term will depend on the age of collateral and/or the size of the loan. The actual APR may vary based on the applicant's credit history and underwriting criteria. Add 1% APR for an vehicle with over 75,000 miles.
Looking for a new or used vehicle? Save time and money through the Gulf Winds Car Buying Service powered by TRUECar.
This is only an estimate. Your actual terms and rates will vary depending on credit history and the details of the loan. Contact us to get your best rate.
For more details, use our Advanced Calculators.