Vehicle Loan Refinancing

Lower your monthly payment.
Apply Now

Lower Your Vehicle Payment

Refinance with Hughes and keep it simple.

Refinancing your vehicle loan could reduce your monthly payment, and with Hughes, the process is fast. straightforward, and fully online.

Apply in minutes—no branch visit required.

A Smarter, Simpler Way to Refinance

Most lenders make refinancing complicated. We don't.

  • No hidden pricing adjustments
  • Fixed, predictable payments
  • Straightforward approval process

We focus on fair, transparent financing so you always know what to expect.

Why Refinance with Hughes?

  • Lower your monthly payment
  • Apply online in minutes
  • No need to visit a branch

Ready to Save?

Take a few minutes to see how much you could lower your payment.

Apply Now

Rates

8.95% APR*
Fixed Rate (Up to 72 Months)
9.95% APR*
Fixed Rate (84 Months)

Features & Benefits

Optional Services

  • TruStage™ Discounted Auto Insurance
  • AutoSmart Car Buying Service
  • Debt Protection
  • Guaranteed Asset Protection (GAP) – Protect yourself against theft or total loss of your vehicle if your loan is greater than the amount paid by auto insurance
  • Low-cost Vehicle Service Contracts

Why Vehicle Loan Refinancing ?

Start your auto adventure with Hughes!

Icon_SpeedyTurnaround

Speedy Turnaround

Once we receive your application, we’ll contact you promptly to get everything finalized.  

Icon_FlexTerms

Flexible Terms

Up to 84 months.
Easy Application Process

Easy Application Process

Skip the branch visit and apply online!
Apply Now

FAQ

Vehicle Loan Refinancing Frequently Asked Questions

Can I lower my payment by refinancing my car?

Yes. Refinancing may reduce your monthly payment depending on your loan terms.

Do you base refinance rates on credit score?

No. With One Rate, every approved member receives the same rate.

How can I make loan payments?

Hughes offers a number of ways to make your loan payment. Visit the Make a Payment page for details.

How can I see the status of my loan or account application?

Visit our application status portal to check the status of your application, upload documents, or send us questions or comments. 

 

Am I required to carry full coverage insurance?

Yes, we require full coverage insurance with comprehensive and collision deductibles of $1,000 or less. 

Do I need to notify my insurance company when I get a loan with Hughes?

Yes. You will need to provide your insurance company with the following lienholder information: 

Hughes Federal Credit Union 
PO Box 461385
San Antonio TX 78246-1385 

Phone: 1-888-667-9103
Fax: 1-866-736-9183
Website: imcovered.com/hughesfcu

Full coverage insurance is required during the full term of loan with comprehensive and collision deductibles of $1,000 or less.

Will I receive a paper title from the MVD upon paying off my vehicle loan?

No. As of April 1, 2020, the Arizona Motor Vehicle Division (MVD) will no longer mail paper titles. Once you pay off your vehicle loan, the credit union will release the lien within 7-10 business days. In Arizona and some other states, your title now appears in their systems electronically. Please visit the ADOT Vehicle Title and Registration page for more information. If you want a paper title, call the Arizona MVD at 602-255-0072 and request one to be mailed to you for a $4 fee. If your unit is titled in a state other than Arizona, please contact your local motor vehicle department.



Contact An Expert

Disclosures

Effective Date: 04-01-2026

*Annual Percentage Rate (APR) and loan terms can affect your monthly payments. Use a Hughes Financial Calculator to calculate payment amounts for fixed rate loans. 

Fixed APR Example: A loan of $25,000 for 84 months at 9.95% fixed APR will have a monthly payment of $414.38. 

All loans subject to approval. Certain restrictions may apply. Rate based on creditworthiness and subject to change. The disclosed rates are based upon your credit score and other loan qualifications. A down payment may be required. Contact Hughes Federal Credit Union for additional information.

One Rate applies to all Hughes Federal Credit Union loans except credit builder loans; mortgage and student loans, which are offered through an outside vendor. For members with approved credit. Certain restrictions apply.

Hughes Federal Credit Union, 971 W. Wetmore Rd., Tucson, AZ 85705.