Same Wheels. Better Deal.
Your car doesn’t have to change to save money—your loan can.
If your auto loan isn’t with TopMark, you could be paying more than you need to. Now is a great time to refinance and see how much you could save.
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Refinance & Save
Take advantage of our latest promotion: Refinance your auto loan from another lender and receive a 1% rate reduction on your current interest rate.
That could mean lower monthly payments, less interest over time, and extra money back in your budget.
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Why Consider Refinancing?
Lower your rate
Even a small rate reduction can save you hundreds—or even thousands—over the life of your loan.
Lower your monthly payment
Free up room in your budget by extending your term and reducing what you pay each month.
Pay your loan off faster
Shorten your term and become debt-free sooner when your finances allow.
Add protection options
You may be able to add coverage like GAP insurance to help protect you if your vehicle is totaled or stolen.
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What is Refinancing?
Refinancing simply means replacing your current auto loan with a new one—often at a better rate or with terms that better fit your current budget.
Why TopMark?
Credit unions are different. We’re member-owned and not-for-profit, which means we focus on helping you save—not maximizing profit. That difference often shows up in better rates and real savings.
Let’s Take a Look Together
Our loan officers will review your current loan and help you compare options so you can decide what makes the most sense for you.
You don’t have to change your vehicle to change your payment. You just have to choose a better deal.
*TopMark FCU will beat the rate from your current lender up to 1.00% APR, with a floor rate of 3.95% APR.
The rate reduction offer is available for Refinanced Loans only. Existing TopMark collateralized loans are ineligible for internal refinance, and terms are subject to change without notice. All loans are subject to credit approval.
Minimum Financed $10,000 for this promotion
Auto Equity Loans with Cash Out
It's normal to have questions regarding auto refinances, especially when it comes to refinancing with cash out. The good news is that auto refinancing with cash out is simpler than you might think. Refinancing with cash out is simply using the equity you have in your vehicle to pay off other debts or get cash for other purposes.
Here's how it works:
Let's say you have a car or truck. It has a NADA retail value of $17,000. You owe $13,000 on it. There is an equity of $4,000. Simple enough, right? When you refinance the vehicle, the proceeds are used to pay off the $13,000 loan, and the difference can be cash out in your pocket.
Now you have established that there is equity in your car. Depending on whether you meet a few conditions for cash-out refinancing, such as the condition of the car, age of the vehicle, mileage, and so on, you can move forward and apply for auto refinancing.
What Are the Benefits of Financing with TopMark?
Financing Locally Builds YOUR Community
Always ask about this feature before you choose another Lender!
We offer Debt Protection, GAP Protection, and Mechanical Breakdown Protection
We offer Skip A Payment twice a year.
Terms up to 84-months with monthly, weekly, or other payment options.
Making payments and reviewing your statement is simple!
Many lenders do not have local offices.
TopMark Federal Credit Union is an Equal Opportunity Lender.
