Refinance Your Auto Loan
Refinancing is quick, easy and hassle-free! Our lending experts can help you lower your rate, lower your monthly payments, and find a term that fits your needs.
We can help refinance your current loan with 3 simple steps.
Step 1: Compare Auto Loan Rates as Low as:
Rates effective October 1, 2026
| Vehicle Age | Term | APR* |
|---|---|---|
| Up to 2026 | 48 Months | 4.50% |
| 2022-2026 | 60 Months | 4.75% |
| 2023-2026 | 66 Months | 4.85% |
| 2024-2026 | 72 Months | 5.25% |
| 2025-2026 | 78 Months | 5.50% |
| New Autos Only | 84 Months | 6.00% |
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*APR = Annual Percentage Rate. Rates disclosed may be different based on credit worthiness or services used. Actual rates will vary and are subject to change. Credit is subject to approval. Vehicle year model may affect the term of loan. Please call to verify listed rates.
Step 2: Calculate Your Monthly Payment.
Our calculators provide general estimations only. Inconsistencies may occur and the outcomes are not credit guarantees. Auto Refi Calculations are based on current rates for an A+ credit score including all available discounts, at longest available term. Must qualify for rate discounts. For specific payment and rate information, please contact the credit union.
Step 3: Get Pre-approved and start saving on your monthly payment
We'll help you choose the best financing options that work for you.
Pay by Mail
DuGood FCU
P.O. Box 12899
Beaumont, TX 77726
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Meet Our Lending Team
Monika Conn
VP of Consumer Lending and Collections
(409) 241-2270
Email
Catrina Reynolds
Director of Branch Lending
(409) 241-2263
Email
Get answers to frequently asked questions
Can I refinance my car?
If your auto loan is with another lender, you are smart to compare your rate with DuGood's current auto loan rates and see if we can save you money. Apply online or call our Lending Center today at (409) 899-3430 extension 249.
I want to refinance my car loan from another lender. Do I need an appraisal on my auto?
In most cases, an appraisal of your car is not necessary. DuGood will determine the value of the car during your application process. If you have specific questions, please call our Lending Center at (409) 899-3430 extension 249.