Is your auto payment too high?

New and used auto loans as low as 4.49% APR*

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Refinancing is easy at Community First

Now in Humboldt and Trinity Counties

Feeling stuck with high auto loan payments? Community First can help take you in a new direction with competitive rates and flexible terms. Whether you're looking to refinance your current loan to pay it off faster or save on interest, or get a low rate on a new ride, we'll get you where you want to go!

The road ahead just got a lot more clear.

How to get started

  • Enter some information online to see what rate you qualify for, with no impact to your credit score.
  • Submit your application online, or apply at any CFCU branch.
  • We'll get back to you ASAP with a decision and discuss how to finalize your loan.

Brake for more than just better rates

Not currently a member at Community First? No worries, once you get an auto loan with us, you will be! Get the most out of your membership with all the products and services we offer.

Gap Insurance1

Keep yourself protected with insurance that covers the difference between the value of your car, and what you owe on it. Community First offers a gap insurance plan that is usually less than what you'd pay at the dealership.

Digital Banking

Keep track of all your finances in our Digital Banking mobile app. Set up automatic bill pay for your loan, as well as access all the other great features we have like personalized money management, customization, tailored alerts, credit score monitoring, and more!

Skip-a-Pay

Sometimes you just need to take a little break. Qualifying members can skip a loan payment two times a year (non-consecutive) for only $20 per use! Plus, you can utilize your Skip-a-Pay right from inside Digital Banking.

Local Experts

Don't worry: your loan is not going to one of those big banks you can never get a hold of. With 12 branches in 7 counties, including Humboldt, and a locally staffed Contact Center and website chat, we're here to help.

Ready to get started?

Find out how much you could save today! If you have questions, give us a call by clicking below.

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Auto Refinance Frequently Asked Questions

Who is eligible for this refinance promotion?

Does my vehicle qualify?

Will applying hurt my credit score?

How long does the refinance process take?

What documents do I need?

Will Community First pay off my existing loan?

Will I have to pay any fees?

Will I need to come into a branch to sign loan documents?

More from Community First

Auto Loan Rates

View all used and new auto rates here.

Read More
Recreational Vehicles

We also offer great rates on recreational vehicles, motorcycles, and boats. View all rates here if you want to get started.

Read More
How Refinancing Works

Weigh the pros and cons of refinancing and find out if it's the best options for you!

Read More

*APR=Annual Pecentage Rate
Actual APR is determined by individual credit rating and ability to pay. Financed values determined by: NEW from MSRP; USED from Kelly Blue Book® retail. Please Note: We can only finance vehicles that are titled in California.
Add 1.25-2.25% for used autos 10+ years or >100k miles
Rates are subject to change
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1GAP may be added to any loan over 70% LTV. If borrower purchased GAP from the dealer, it is not transferable, they will need to contact the dealer to get it
cancelled and purchase our gap if they want it.

DISCOUNTS:
NEW AND USED UNITS - ALL TIERS
0.25% DISCOUNT HYBRID/ELECTRIC UNITS
0.50% DISCOUNT FOR 80% LTV ALL IN
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