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Refinance and Save on Your Auto Loan

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Why Refinance with First Service Credit Union

Your car is one of your most important possessions. It’s not just how you get from point A to point B — it’s your key to adventure. At First Service Credit Union, we’ve been helping people just like you with auto loans since 1977, and we’re committed to providing trusted service and financial solutions that fit your needs. Enjoy your car even more by lowering the interest rate and monthly payment on your auto loan. After all, driving is more fun with extra money in your pocket!

  • Competitive Rates

    Our refinance rates could save you thousands of dollars over the life of your loan.

  • Dedicated Service

    Your dedicated loan advisor here to assist every step of the way.

  • Pay Nothing

    Enjoy up to 90 days with no payments.1

  • Quick Application Process

    Our streamlined, online application takes just minutes.

Optional Services

Disability Income Coverage

Life’s uncertainties shouldn’t affect your financial standing. With our Disability Income Coverage, your loan payments are managed during periods of total disability and your savings remain untouched.

Life Coverage

Should life take an unexpected turn, ensure your family remains unburdened. Our Life Coverage sees to it that your auto loan is settled, preventing financial strain on your loved ones.

Guaranteed Asset Protection (GAP)

When insurance doesn’t cover it all, GAP bridges the difference, ensuring you're not bearing the brunt of the shortfall between your vehicle's current value and the remaining loan amount.

Mechanical Breakdown Protection (MBP)

When the manufacturer's safety net fades, First Service steps in with extended coverage on crucial repairs beyond the warranty.

Go Further with Power Up

  • Fuel Savings2

    • Join the Fuel Rewards® program and save 5¢/gal at participating Shell stations nationwide
    • Save even more when you link a debit or credit card to your Fuel Rewards® account to earn discounts on fill-ups from everyday purchases
    • See your savings instantly at the pump, and keep track of everything with the Fuel Rewards® app

  • Roadside Assistance3

    • 24/7 roadside assistance services, including vehicle towing, fuel/oil/fluid/water delivery, and battery/lock-out/tire assistance up to $100 per occurrence
    • Maximum of two occurrences per twelve month period

  • Skip-a-Pay4

    Skip one monthly loan payment when you need extra cash for the holidays, unexpected expenses, or just want to ease your budget for the month

  • Travel and Leisure Discounts

    • Redeem and print coupons online
    • Access discounts from a mobile device
    • Local and national discounts on hotels, restaurants, rental cars, auto care, museums, sporting events, salon services and more

Refinance Your Vehicle Today

Ready to Start Saving?

For the quickest service, simply enter your exclusive promo code from the mail in the form at the top of this page. 

Prefer to speak with us? Give us a call or send an email—it's your choice!

713-676-5270
LoanAdvisors@FSCU.com
© First Service Credit Union. All Rights Reserved. 16430 Park Ten Place. Houston, Texas 77084, US

FSCU.com Homepage

Federally Insured by NCUA

[1]

This is a limited time offer and subject to change at any time. Subject to credit approval. Interest will accrue during the deferment period.

[2]
Restrictions apply. See First Service Credit Union online banking or mobile app for details.
[3]
Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance Products are not insured by the NCUA or any Federal Government Agency; Not a deposit of or guaranteed by the credit union or any credit union affiliate.
[4]

Skip-A-Pay eligibility is subject to approval. A fee of $35 will be charged for each loan on which a payment is skipped. All loans must be current and accounts must not have a negative balance. Only two skipped payments allowed in any 12 month period. Loans must have six months payment history and must have had three consecutive monthly payments to be eligible. Account must not have been more than 30 days delinquent during the past year on any loan. Regularly scheduled payments will resume after the deferral period. Interest at the agreed rate will continue to accrue on the unpaid balance of the loan. Deferment of payment will extend the life of the loan and may cause an increase in the final payment amount that was stated on the initial loan disclosures. For auto loans with Guaranteed Asset Protection (GAP) coverage, more than two Skip-A-Pay extensions over the term of the loan may cause a deficiency balance in the event of a total loss. Excludes real estate loans, home improvement loans, home equity loans, home equity lines of credit (HELOC),Visa® credit cards, CD secured loans, and balloon payments. Commercial loans are not eligible for Skip-A-Pay.