What Could You Save This Summer by Refinancing Your Auto Loan?

Your Car Payment Could Be Lower. Here's How.

If you financed your vehicle with another lender, a bank, a dealership, or another financial institution, there's a good chance you're paying more than you need to. This summer, LincOne Federal Credit Union is making it easy to put more money back in your pocket.

Through July 15, 2026, LincOne is offering auto loan refinances at 1%* below your current interest rate, with rates starting as low as 4.00%* APR. Plus, your first payment won't be due for 90 days after closing. That means all summer with no auto payment.

How Much Could You Actually Save?

Let's run a real example. Say you financed a $20,000 vehicle at 7.50% APR for 60 months with your current lender. Your monthly payment is approximately $400/month.

Refinance with LincOne at a rate 1% lower, 6.50% APR, on the same remaining balance and term, and your payment drops to roughly $391/month. That's nearly $10/month in savings, or $540 over the remaining 54 months of your loan.

On a larger loan balance, the savings grow. Use the refinance calculator one our auto loan webpage to enter your actual numbers and see your personalized savings estimate in seconds.

The 90-Day No-Payment Advantage

The 1% rate reduction is compelling on its own, but the 90-day no-payment window adds real, immediate flexibility. Whether you want to redirect that monthly payment toward summer activities, pad your emergency fund, or simply breathe a little easier, skipping three months of car payments is a meaningful benefit.

Important note: interest does accrue during the 90-day period, so this isn't a fee waiver; it's a deferred start to your payment schedule. For most borrowers, the rate savings more than offset the interest that accrues in those 90 days.

Who Qualifies?

This offer is available for auto, motorcycle, boat, and powersport vehicle loan refinances. To qualify:

• Your vehicle must currently be financed with a lender other than LincOne FCU.
• You'll need to provide proof of your current interest rate (an online banking screenshot, statement, or purchase agreement works).
• Your current vehicle registration is required.
• Your existing loan payment must be current.
• You must be a LincOne member in good standing (or become one — membership requires just a $25 savings account for anyone who lives, works, worships, or attends school in Lancaster County).

The interest rate reduction is limited to 1% off your current rate and cannot exceed a floor rate of 4.00%* APR. All financing is subject to LincOne's standard underwriting and credit evaluation.

How to Refinance With LincOne in 4 Simple Steps

1. Apply online at apply.linconefcu.org in just a few minutes.
2. LincOne pays off your existing lender.
3. Enjoy your rate reduction & 90 days payment-free.

Don't Wait! This Offer Ends July 15, 2026

With competitive rates, no application fee, and a 90-day no payment window when you refinance with LincOne, it's one of the easiest financial moves you can make right now. The offer window closes July 15, 2026, so now is the time to run your numbers.

Apply online at apply.linconefcu.org, call 402.441.3555 to speak with a Relationship Advisor or schedule an appointment with a Relationship Advisor.

**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.