Refinance Your Auto Loan and Skip Your Payments This Summer
Summer is the season for road trips, and lasting memories. A little extra breathing room in your budget would certainly help! At LincOne Federal Credit Union, we think your car payment shouldn't get in the way of any of that. That's why we're rolling out one of our best auto loan offers of the year. If you've been thinking about refinancing, there's truly no better time to make the move.
Lower Your Rate. Keep More in Your Pocket.
When you refinance your auto loan with LincOne Federal Credit Union this summer, you'll receive a 1*% rate reduction on your current rate. That might sound simple, but over the life of your loan, even a single percentage point can add up to hundreds of dollars in savings. Whether you financed your vehicle through a dealership, a bank, or a different credit union, you could be overpaying right now. Refinancing with LincOne is a straightforward way to fix that.
Lower monthly payments mean more flexibility. More flexibility means more freedom to enjoy the summer season. Whether that involves a weekend getaway, a backyard upgrade, or simply less financial stress when the bills roll in. Not having to make auto loan payments through the summer would help!
90 Days, No Payment*. Yes, Really.
Here's where things get even better. When you refinance your auto loan with LincOne, you won't make your first payment for 90 days*. That's three full months of payment-free driving. Think about what that window means for you. It's an opportunity to redirect those funds toward something that matters, pad your emergency savings, cover a home repair, or just enjoy a little extra cushion while the sun is shining.
We built this offer with your summer in mind. Life gets busy between May and August. Vacations, family gatherings, traveling for summer league sports, back-to-school prep. The last thing you need is financial pressure stacking up. With 90 days* of deferred payments, you can settle into your lower rate without feeling the pinch right away.
Save Even More with Autopay
Autopay is one of the easiest ways to manage your loan, no missed payments, no late fees, no extra hassle. Just set it and let it run while you focus on the things that actually matter this summer.
Why Refinance with a Credit Union?
Not all lenders are created equal. As a member-owned financial cooperative, LincOne Federal Credit Union exists to serve the people of Lancaster County, not to generate profits for shareholders. That means our loan rates are designed to work in your favor, our team is here to answer real questions, and the money you save stays in your community.
Refinancing is also simpler than most people expect. In many cases, you can complete the process quickly and start saving right away. There are no complicated hoops to jump through. Just bring your current loan information, and our team will walk you through the rest.
Who Should Consider Refinancing?
This offer is worth exploring if any of these apply to you:
• Your credit score has improved since you originally financed your vehicle
• You financed through a dealership and suspect you could have gotten a better rate
• Your current monthly payment feels tight
• You're looking for more financial flexibility heading into the summer months
• You haven't reviewed your auto loan terms in the past year or more
Even if you're not sure whether refinancing makes sense for your situation, our team is happy to run the numbers with you, no obligation, no pressure.
Schedule a free consultation with our Relationship Advisors today.
Make This Summer Count
The open road is calling, and your wallet shouldn't hold you back. With a 1%* rate reduction, and 90 days* before your first payment is due, LincOne FCU is making it easier than ever to refinance and reclaim some financial breathing room this summer.
Apply online, stop in at any LincOne branch, or give us a call to get started. Our team is ready to help you find a better rate and make the most of the season ahead. For more information please visit our auto loans webpage.
LincOne Federal Credit Union, Keeping Money Local since 1955.
**Applicable to auto, motorcycle, boat and powersport vehicle loan refinances. Interest rate reduction limited to a floor rate as low as 4.00%. Rate reduction not to exceed 1%. Interest will accrue during 90-day no-payment period. Collateral must be currently financed in the member/borrower’s name with a financial institution other than LincOne FCU. Proof of current interest rate is required. Forms of proof include but not limited to: Online banking screenshot with rate and collateral, purchase agreement, statement, or any other method for documentation purposes to verify current rate and collateral. Current vehicle registration required. Payment on existing loan must be current to qualify for interest rate reduction. Member must be in good standing with LincOne FCU to qualify. All financing subject to LincOne FCU’s standard underwriting guidelines and credit evaluation. Offer available through July 15th, 2026 . Offers cannot be combined. Membership eligibility and $25 savings account are required. Rates subject to change without notice. With approved credit. Federally insured by NCUA.
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