Get up to $200 Cash Back!
¹APR=Annual Percentage Rate. Not all applicants will qualify for the lowest rate. FICO 9 credit score must be 700 or higher to qualify for lowest APR.
²Up to $200 per loan will be paid at the time of the loan funding.
³Get $100 off Gap coverage and $100 off on extended warranty when purchased at the time of loan closing.
Auto Refi Loan Promotion is valid September 1, 2025 - September 30, 2025, and applies to cars, pickup trucks, and SUVs only.
Minimum loan amount $10,000.
Get a Better Auto Loan Rate by Refinancing
Unlock savings and financial flexibility by refinancing your auto loan with HTFFFCU. Whether you're looking to reduce your monthly payments or shorten your loan term, we're here to help you find the best refinancing options tailored to your needs.
Refinance and Save
Drive down your monthly payments and put more money back in your pocket—so you can focus on what matters most. When you refinance with us, you can enjoy the following benefits:
- A lower interest rate: Our expert team can help you secure better rates on your auto loan.
- More available cash each month: Free up more cash to allocate toward your other financial priorities.
- Easy application process: Enjoy a fast, simple, and secure online application with instant decisions.
- Personalized service: Our refinancing solutions are tailored to help you save more on your auto loan.
- Easy management of payments: With our Online and Mobile Banking platforms, managing your loan payments is easy and convenient.
- Significant savings on vehicle protection: We offer GAP coverage and other protection options at a fraction of what dealerships typically charge.
Who Qualifies for Auto Refinancing?
HTFFFCU is proud to serve Houston’s bravest — our city’s firefighters and their families.
You may qualify if you're:
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A uniformed Houston Fire Department firefighter
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An employee of the Houston Texas Fire Fighters Federal Credit Union
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An immediate family member of any of the above
Eligible family members include spouses, children, parents, and other close relatives.
Auto Refinancing May Be Right for You If:
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You Want a Lower Monthly Payment: If your original loan came with a high interest rate, refinancing could help reduce your rate and ease your monthly budget.
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Your Credit Has Improved: Better credit often means better rates. If your credit score has increased since your original auto loan, refinancing could save you money.
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You're Looking to Pay Off Your Loan Sooner: Choose a shorter term and pay off your car faster — often with less interest over time.
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You're Stuck with a Loan from a Dealer or Bank: Move your loan to a lender that understands your needs and puts your financial goals first.
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You Need to Free Up Cash: Lowering your car payment could give you more flexibility in your monthly finances.
¹APR=Annual Percentage Rate. Not all applicants will qualify for the lowest rate. FICO 9 credit score must be 700 or higher to qualify for lowest APR. Program rates. terms and conditions are subject to change without notice. Rates may vary depending on each consumer's creditworthiness. Monthly payment example is $22.70 per each $1,000 borrowed for up to 48 months at 4.25% APR. Minimum loan amount $10,000. ²Up to $200 per loan will be paid at the time of the loan funding. ³Get $100 off Gap coverage and $100 off on extended warranty when purchased at the time of loan closing. Auto Refi Loan Promotion is valid September 1, 2025 - September 30, 2025, and applies to cars, pickup trucks, and SUVs only.