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- Personal Loans
- Personal Loans
- Home & Auto
Hit The Road With A Better Credit Union Car Loan
You and your car have been everywhere, done everything and shared some great memories. But if there’s one thing you could change, it’d be those monthly payments. We understand. No relationship is perfect. Grow can help by refinancing an auto loan and lowering your monthly expenses. Refinancing means Grow will replace the terms of an existing loan agreement, helping you save more in the long run.
Why You Should Refinance With Grow
Lower interest rate
No matter when you got your last loan, better interest rates may already be available today! Refinancing with a lower rate means you’ll pay less in interest, saving you money over the life of your auto loan.
Lower monthly payment
One of the most popular reasons for a refinance is to get a lower monthly payment. If you’re able to get a lower rate but keep the same term on your loan, your monthly payment could go down significantly, lowering your regular auto expenses.
Fewer monthly payments
When you refinance your auto loan, you can also choose a new term for your loan based on your priorities.
Get Help Refinancing Your Ride
We know how important a vehicle is, which is why we make refinancing your ride as easy as possible. Follow this step-by-step guide, and always feel free to reach out to our dedicated Grow team for extra support along the way.
It only takes minutes for most customers.
Get a quick decision
Most applicants get a credit decision in as little as 60 seconds.
Your rate Is locked
Apply to refinance and lock your rate for 30 days upon approval.
Apply For An Auto Loan
To apply for your easy online loan, all you have to do is answer a few simple questions about yourself.
View Your Application
Refinance Today, Hit The Open Road Tomorrow
Our dedicated Grow team members have crafted a resource guide to help you through every step of refinancing your vehicle.See All BlogsFebruary 9, 2022
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One Auto Loan Hack That Saves You Money
One simple change to the way you pay can cut hundreds (or more) off your auto loan. We’ve got an auto loan hack that saves you money.
Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: when you open an account we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Subject to credit approval.
How to Find Your Routing & Account Numbers
When you make a payment online, by phone or on a mobile device, you may be asked for our routing number and your checking account number. Credit unions and banks use these numbers to identify accounts and make sure money gets where it’s supposed to be. You’ll also need to provide your routing and checking account numbers for:
- Direct deposits
- Electronic checks
- Military allotments
- Wire transfers
Where to Find Your Routing & Checking Account Numbers
Your personal checks include both our routing number and your account number, as shown on the Grow check example below.
Don’t have a Grow check? No worries.
Visit any Grow store and ask for a Direct Deposit Form. It lists both your routing number and checking account number.
Making a Loan Payment
When it comes to making payments, we try to make it as painless as possible to pay your loan every month. We have several different ways to pay, including convenient online options.
You have two ways to pay online by transferring funds from another bank or credit union.
- Grow Online Banking (Preferred payment method for any loan)
This is the simplest way to pay your loan. You can make one-time payments or set up automatic recurring payments in Grow Online Banking. Once you log in, select “Transfer/Payments” from the menu. If you’re not enrolled in Grow Online Banking yet, you can set up your account in just a few minutes.
- Debit Card or ACH (Available for auto, personal loans and HELOCs)
Note: ACH and debit card payments are not available for credit cards or most mortgages, except HELOCs.
We accept ACH payments with no additional fees or Mastercard® and Visa® debit cards with a convenience fee of $4.95. To get started with an online ACH or debit card payment, select Pay Now below.
Pay by Mail
You can also pay any Grow loan by check through the mail. Please remember to include your account number and Grow loan number on the check. (For credit card payments, please do not write your 16-digit credit card number on the check, which can cause a delay in processing the payment.)
Address for auto, credit card, personal loan and HELOC payments:
Grow Financial Federal Credit Union
P.O. Box 75466
Chicago, IL 60675-5466
Address for personal first or second mortgages and home equity payments:
Grow Financial Federal Credit Union
P.O. Box 11733
Newark, NJ 07101-4733