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Support Home Eligibility Am I eligible to refinance my auto loan with Philadelphia Federal Credit Union? To qualify for an auto loan, you must: -Have a verifiable name, date of birth a… Is my car eligible? To refinance your auto loan with Philadelphia Federal Credit Union, your car must… Is my existing auto loan eligible? To refinance your auto loan with Philadelphia Federal Credit Union, you must have… Can Philadelphia Federal Credit Union make exceptions for unique situations? Unfortunately, we cannot make individual exceptions to our eligibility requiremen… Can I use a cosigner? We do not allow you to apply for a loan with a cosigner. We can only take your in… What are the minimum credit requirements to refinance with Philadelphia Federal Credit Union? Applicants must have a minimum credit score of 580, as reported by a consumer rep… What subsequent events may disqualify my application? Prior to payoff of your current lienholder, if your credit history indicates any … Which U.S. states does Philadelphia Federal Credit Union support? Currently, Philadelphia Federal Credit Union refinances auto loans for borrowers …