We BEAT Your Current Rate

When you move your auto from another financial institution, we give you a better interest rate.

No Fees – Just Savings

We don’t charge application fees and there is no prepayment penalty.

No Headaches or Hassle

We make the process quick and easy with simple applications, 24-hour decisions, and convenient closing options.

Average Savings When Refinancing With Us

We’ll beat your current interest rate when you move your auto loan over to FiCare.



Lower Your Payment

Members are paying an average of $40.48 less per month. 3


Pay Less Interest

Members are saving an average of $1,153.49 over the life of the loan. 3


Get a Better Interest Rate

Members have reduced their interest rate by an average of 2.48%. 3


Apply Now


What Is Your Financial Goal?

Refinancing your auto with FiCare can help!

Lower My
Monthly Payment

Save Money

Pay Off
My Loan Faster

Cash Out
My Equity

Lower My Monthly Payment


When you refinance with FiCare, we beat your current interest rate. This alone can lower your monthly payment. In addition to getting a better rate, you may also be able to extend your term, which can lower your payment significantly.


Apply Now

Save Money


A lower rate means you pay less interest over the life of the loan. You may also choose to shorten your term. The longer your term, the more interest you will pay. So a shorter term, at a better rate, will definitely save you money.


Apply Now

Pay Off My Loan Faster


With a better interest rate, more of your monthly payment will go towards the principal balance, paying your loan off faster. But the best way to achieve this goal is to refinance for a shorter term. This likely will increase the amount of your monthly payment, but you will eliminate the debt sooner and save money.


Apply Now

Cash Out My Equity


Get cash back by tapping into your vehicle’s equity. You can use this cash to pay off high-interest debts, medical bills, purchase a big-ticket item, and more! Since auto interest rates are typically lower than credit cards and personal loans, a cash back auto refinance could save you money.


Apply Now

Loans are subject to credit approval based upon applicant’s conformity with standard credit union approval guidelines. Additional requirements and guidelines apply that can affect approval. Contact a FiCare Loan Officer for details. Lower rate offer not exceed 1.00% lower than FiCare's currently advertised lowest rate.
Go to main navigation