Auto Loan Refinance

Lower your monthly new or used car payments with a great rate from Bethpage Federal Credit Union


When might it be a good idea to refinance?

  • If current auto loan rates are lower than when you made your original purchase
  • You have improved your credit score
  • You want to extend your loan term and/or want to lower your monthly loan payment

Read more about refinancing your car loan.

Best for those who want to lower their monthly auto loan payments from another financial institution.

  • Terms up to 96 months on new vehicles (current year and previous model year <5,000 miles).
  • No payments for 90 days.
  • Financing up to 125% NADA Book value on pre-owned vehicles.
  • Extend your loan and lower your monthly payments even more!
  • Defer your first loan payment for 90 days.
  • Available for lease buy-outs.

Compare auto loan rates below and use the calculator to figure out how much you could be saving. If you're ready to start the process of obtaining an auto loan refinance, click the 'Apply Now' button below.


ProductBethpage Annual Percentage Rate (APR)*LI Regional Bank Average APR^We are lower than the banks by:
NEW CAR3.14%3.82%22%
USED CAR3.29%4.17%27%

^Data is supplied by Datatrac Inc. as of 1/19/2020.

Rate shown is the average for the 10 largest banks on Long Island, New York area for A+ credit 80% loan to value for new customers without any other relationship to the bank. Actual rates may be different.

*APR=Annual Percentage Rate. Rates and terms accurate as of . Rates and terms are subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. For term of 60 months; estimated monthly payment of $18.10 per $1,000.00 borrowed. Minimum auto loan amount is $3,750. Payment is based on used car rate of 3.29%. Rate assumes LTV of 90% or less. Rate applies to loan amounts up to $100,000. Program subject to change without notice.

Auto Refinance Calculators

Looking to lower your monthly payment on your auto loan? Use our Auto Refinance calculator to see how much you can save.

Let’s get you in the driver’s seat today! Whether you are buying a car for the first time or simply looking for that new set of wheels, we can help make that dream a reality.

Visit the Advice and Planning, Auto Center, to learn more...