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Swap & Drop

We are excited to introduce our latest offering, “Swap and Drop,” a game-changing auto loan refinance program designed to put more money back in your pocket.

With Swap and Drop, you can now refinance your existing auto loan with another lender to as low as 5.99% APR*

Refinance Today
Swap & Drop

Why settle for high interest rates?

Upgrade Your Current Auto Loan to People First and Enjoy Lower Rates Today!

Here are 4 key benefits of the Swap and Drop program.

  1. Lower Interest Rates: Swap and Drop offers competitive interest rates that may reduce your monthly payments, allowing you to save money over the life of your loan.
  2. Streamlined Process: Our user-friendly application process makes refinancing your auto loan quick and hassle-free. Say goodbye to lengthy paperwork.
  3. Expert Guidance: Our dedicated team of financial experts is here to guide you through every step of the refinancing process, ensuring you make informed decisions that align with your financial objectives.
  4. Savings You Deserve: By refinancing with Swap and Drop, you could have more money in your pocket for the things that matter most to you, whether it’s a dream vacation, home improvement projects, or simply building your savings.

More products, more services, more of what you need.

Protect Your Loan
Protect Your Loan

Debt Protection and Guaranteed Asset Protection (GAP) available.

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Protect Your Ride
Protect Your Ride

We can connect you to great auto coverage that can save money with nice discounts.

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Protect your budget
Protect your budget

Calculate your loan payment options with our Auto Loan Calculator.

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*APR= Annual Percentage Rate. Subject to credit approval of individual creditworthiness and underwriting standards. The rate of 5.99% is valid for up to 36 months, longer terms are available at higher rates.  Visit PeopleFirst for terms and rates. To be eligible for the up to 2% reduction off your current rate, the loan must be transferred from another financial institution other than People First Federal Credit Union with a balance of at least $8,000. Interest charges begin on the day of loan funding and are repaid over the term of the loan. Vehicle must be 2015 and Newer to qualify.

Offer not available on existing People First auto loans. Applicants must qualify for membership with People First Federal Credit Union with at least a membership savings account with a minimum deposit of $5.00.  Subject to Credit Approval. Program terms and conditions are subject to change without notice.  If GAP policy exists on current loan, check terms to understand coverages, cancellations, and portability. Many GAP policies do not allow portability but People First FCU does offer subsequent optional GAP products on most vehicles as well as optional credit protection insurance at additional cost. Please check with People First FCU for details before closing to understand all available options.