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Eligibility Am I eligible to refinance my auto loan with Philadelphia Federal Credit Union? Is my car eligible? Is my existing auto loan eligible? Can Philadelphia Federal Credit Union make exceptions for unique situations? Can I use a cosigner? See all articles › Applying to Refinance Your Auto Loan I’ve found the vehicle I want to buy. Can I apply for a direct auto loan with Philadelphia Federal Credit Union? Are Philadelphia Federal Credit Union loans available through any car dealerships? Can I apply for a second auto loan with Philadelphia Federal Credit Union? How will applying to refinance my loan affect my credit? What is the range of interest rates offered on loans, and what is the difference between APR and interest rate? See all articles › Verification and Processing Where can I find my transcript? Can I use my household or spousal income? What documents will I need to provide? What documentation will verify my income? Can I change the term of my loan after I have accepted my loan terms? See all articles › Current Borrowers Can I make my monthly payment into two or more installments? What portion of my payment is interest vs. principal? What are my payment obligations? What happens if I am late on my payment? Can I change my due date? See all articles › Auto Insurance Do I need to contact my insurance company? What if I switch insurers? What happens if I’m in an accident? What if my car gets totaled? What if I need to update information on my title? What if I move? See all articles › About Upstart What is Upstart? See all articles › Popular questions What are the minimum credit requirements to refinance with Philadelphia Federal Credit Union? Can I make my monthly payment into two or more installments? Am I eligible to refinance my auto loan with Philadelphia Federal Credit Union? Can I apply for a second auto loan with Philadelphia Federal Credit Union? How do I schedule two automatic payments per month? Do I need to contact my insurance company?