Auto Refinance Loans

You’ll love your car more when it costs you less.

Competitive Rates
We’re known for having some of the best rates around. It’s just how we do right by our members.
Flexible Terms
You set the terms. We’ll be flexible. Four years? Seven years? Something in the middle? Let’s make it happen.
Up To 125% Financing
We offer up to 125% financing, plus tax, title, and license.

See Today’s Rates

AUTO PURCHASE OR REFINANCE
Year and Type	Maximum Term	Minimum Loan Amount	Maximum Financing Value	APR	Discount APR*
* Discount APR applies with (a) automatic deduction from a Baton Rouge Telco Federal Credit Union Checking Account and (b) direct deposit relationship. Quoted rate of 6.74% APR for 60 months has payments per $1,000 equal to $19.68/month. Quoted rate of 7.24% APR for 72 months has payments per $1,000 equal to $17.16/month. Quoted rate of 7.49% APR for 84 months has payments per $1,000 equal to $15.33/month. Quoted rate of 8.74% APR for 60 months has payments per $1,000 equal to $20.63/month. Quoted rate of 9.74% APR for 60 months has payments per $1,000 equal to $21.12/month. Member Loyalty Discount – Members may receive up to an extra 0.5% discount off their auto loan rate. Members with 4 or more years of membership receive a 0.25% discount Members with 4 or more active CORE products receive a 0.25% discount CORE products = Share Draft, Opt-In, Share Certificate, IRA, 1st Mortgage, VISA
Year and Type 2024 - 2020 New or Used	Maximum Term 60 Months	Minimum Loan Amount $500	Maximum Financing Value 125%	APR 6.74%	Discount APR* 6.24%
Year and Type 2024 - 2020 New or Used	Maximum Term 72 Months	Minimum Loan Amount $15,000	Maximum Financing Value 125%	APR 7.24%	Discount APR* 6.74%
Year and Type 2024 - 2021 New or Used	Maximum Term 84 Months	Minimum Loan Amount $30,000	Maximum Financing Value 125%	APR 7.49%	Discount APR* 6.99%
Year and Type 2019 - 2017 Used	Maximum Term 60 Months	Minimum Loan Amount $500	Maximum Financing Value 125%	APR 8.74%	Discount APR* 8.24%
Year and Type 2016 - 2014 Used	Maximum Term 60 Months	Minimum Loan Amount $500	Maximum Financing Value 125%	APR 9.74%	Discount APR* 9.24%

Excellent service! Hollie was very efficient. She made the experience of borrowing stress free!

Jason W.

You can pay online, by phone (fee may apply), by mail or at your nearest branch location. You can also set up a recurring automatic withdrawal payment option.

We are unable to process loan payments using credit cards, but debit cards are accepted for payment by phone (fees may apply).

The majority of Louisiana vehicle titles are electronic and once paid off, printed and mailed by the Louisiana OMV. This process generally takes 2 – 4 weeks.

Complete this short form and we’ll have a loan expert contact you to discuss options.

Get peace of mind so you’ll only have to worry about red light cameras.

Mechanical Repair Coverage
When your factory warranty expires, our Mechanical Repair Coverage can limit your out-of-pocket expense for any breakdowns.
GAP Protection
If your car is totaled or stolen, GAP Protection will cover the difference in what insurance will pay and what you owe on your car loan.
Credit Life & Disability
Feel comfort knowing your loan payments will be made if something happens to you in the event of covered life events or disability.