LOWER YOUR CAR PAYMENT
Refinance Your Auto Loan With SJPFCU
If your auto loan is with a dealership, big bank, or online lender, there’s a good chance you could be paying more than you need to.
At SJP Federal Credit Union, refinancing your car loan is simple — and often means a lower rate, lower monthly payment, or both.
WHY REFINANCE WITH SJP FCU?
✔ Lower Monthly Payments
Reduce your payment by lowering your rate or extending your term.
✔ Competitive Rates
We offer strong, member-friendly rates — without gimmicks.
✔ All Makes, Models & Years
New or used. Old or recent. We’re flexible.
✔ Easy, Local Process
No call centers. No pressure. Decisions made right here.
✔ You Keep Your Car
Same car. Same title. Better loan.
WHAT CAN YOU REFINANCE?
We refinance auto loans currently financed through:
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Dealerships
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Big banks
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Online lenders
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Other credit unions
Even if you were told “you can’t refinance yet,” it’s worth a conversation.
Not sure if your loan qualifies?
We’re happy to take a look.
HOW IT WORKS
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Apply Online – Fast and secure
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We Review Your Loan – And look for ways to improve it
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Get Approved – Clear terms, no surprises
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Start Saving – Lower payment, better experience
QUESTIONS? LET’S TALK.
Have your payoff amount handy? Not a problem if you don’t — we can help.
Email: contact@sjpfcu.org
Call: 716-833-9670
All loans subject to credit approval. Rates and terms may vary.
