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See how much you could save
Get a refi rate as low as {rate-token-1}% APR and enjoy more life per gallon!1
Explore more5.84
Auto refi: less owing, more going!
Defer your first payment for up to 90 days²
Skip your payment up to twice a year³
Get service built on 86 years of history in Arizona
Apply online in minutes
5.84
Apply to refinance your car loan in 3 simple steps
Apply for your loan.
You’ll need to know the year, make, model, VIN, mileage and estimated payoff amount.
Provide more information.
We’ll need some details like insurance and payoff information.
Sign and enjoy!
Sign at a branch or online via DocuSign, then enjoy your new loan rate.
Real voices, real impact
"Working with Alexander was very easy! He was kind, courteous and extremely professional. He's been forthright and honest with the entire process."
Harrison S.
"Travis did an excellent job in taking care of our needs. Kept us updated on the progress of our transaction and set us up with a new appointment to sign the contract. Very easy."
Kennith B.
FAQs about auto refinancing
Does Desert Financial pay my loan off?
Yes. After signing your refinanced loan documents, Desert Financial will send a check to your current lender to pay off your loan.
When do I stop making payments to my old lender?
Continue to make payments on your old loan until you receive confirmation from the lender that the loan has been paid off.
Do I need to contact my auto insurance provider to notify them about the refinancing?
Yes. You’ll need to contact your insurance provider to change the lienholder to Desert Financial.
What is auto pay?
Auto pay is an optional, automatic loan payment withdrawn from your Desert Financial checking, savings or money market account on the same day each month.
Can you help me find insurance for my car?
Yes, we’re here to help! Get a custom online quote on the spot by clicking here.4
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Save time and uncertainty when shopping for insurance. Get online quotes or talk to an insurance advisor!
Disclosures
1
Annual Percentage Rate (APR) shown effective {current-date}, and is subject to change without notice. “As low as” rate assumes excellent borrower credit history. Actual rates and APRs dependent upon borrower(s) credit qualifications. Additional rate discounts may apply. Visit our rates page for additional information and details.
2
90 Days to First Payment option applies to qualified auto refinance loans only and does not apply to the refinancing of an existing Desert Financial auto loan. Maximum refinance loan term of 75 months applies. First payment will be due no later than 90 days from the loan closing date; finance charges will accrue on unpaid principal while payment is deferred. Offer subject to change.
3
On eligible loans, borrowers may request to skip up to two scheduled payments per calendar year for a fee of $30 per skipped payment. Interest will continue to accrue during the skipped period, which may increase the total amount paid over the life of the loan and extend the original loan term. If optional ancillary products (such as GAP or warranty coverage) were added to the loan, coverage may not extend beyond the original maturity date. Eligibility requirements apply. Not all loans qualify. Other restrictions may apply.
4
Insurance products and services are offered through Desert Financial Wealth Services, LLC dba Desert Financial Insurance Services. Desert Financial Wealth Services, LLC is a subsidiary of Desert Financial Credit Union. Insurance products and services are not insured by the NCUA, are not obligations of or guaranteed by the credit union or its affiliates and may be subject to risk.