{"id":1530,"date":"2016-09-01T12:23:41","date_gmt":"2016-09-01T12:23:41","guid":{"rendered":"http:\/\/latinoccu.org\/?page_id=1530"},"modified":"2026-02-19T21:39:34","modified_gmt":"2026-02-19T21:39:34","slug":"refinancing-auto-loans","status":"publish","type":"page","link":"https:\/\/latinoccu.org\/es\/products-and-services\/loans-credit\/auto-loans\/refinancing-auto-loans\/","title":{"rendered":"Refinanciaci\u00f3n"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"1530\" class=\"elementor elementor-1530\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f9c4c8c e-con-full cmp cmp-basic-text e-flex e-con e-parent\" data-id=\"f9c4c8c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6d18e9a1 e-flex e-con-boxed e-con e-child\" data-id=\"6d18e9a1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6f2dd99 elementor-widget elementor-widget-heading\" data-id=\"6f2dd99\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfEst\u00e1s pagando mucho por tu auto actual? \u00danete a la Cooperativa Latina y disfruta de nuestras bajas tasas de inter\u00e9s y tarifas.\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28b6e796 elementor-widget elementor-widget-text-editor\" data-id=\"28b6e796\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Lo que necesitas:<\/h3><ul><li>Ser socio de la Cooperativa Latina<\/li><li>Prueba de ingresos<\/li><li class=\"translation-block\">Para trabajadores independientes, \u00faltimos 6 estados de cuenta personales o la \u00faltima declaraci\u00f3n de impuestos<\/li><li>Historial de cr\u00e9dito establecido o facturas de servicios p\u00fablicos a tu nombre de tu lugar de residencia*<\/li><li>Carta indicando el balance del pr\u00e9stamo actual v\u00e1lida por 20 d\u00edas<\/li><li>Formato MVR-6 notariado<\/li><li>$25.50 cargo de matr\u00edcula<\/li><li>En algunos casos podremos solicitar la inspecci\u00f3n en persona del auto a comprar<\/li><\/ul><h3>\u00a0<\/h3><h3>Lo que recibes:<\/h3><ul><li>Asistencia verificando la historia del auto utilizando Carfax<\/li><li>Financiamiento de hasta el 95% del valor del auto establecido en NADA<\/li><li>Ahorra dinero al obtener una mejor tasa de inter\u00e9s<\/li><li>Opci\u00f3n de comprar el seguro GAP (guaranteed asset protection) a menor costo**<\/li><li>Opci\u00f3n de proteger tu pr\u00e9stamo por medio del seguro de vida y discapacidad<\/li><li>Maneja tu cuenta en l\u00ednea desde cualquier parte con nuestros servicios electr\u00f3nicos. <a href=\"\/es\/products-and-services\/other-services\/electronic-services\/\">Haz clic aqu\u00ed<\/a> para m\u00e1s detalles.<\/li><li>Acceso gratuito a tu FICO\u00ae Score a trav\u00e9s de LatinoConnect en l\u00ednea o la aplicaci\u00f3n m\u00f3vil, sin que ello afecte a tu cr\u00e9dito. Realiza un seguimiento de tu puntuaci\u00f3n, comprende los factores que la influyen y mant\u00e9n el control de tu salud financiera. M\u00e1s informaci\u00f3n <a href=\"https:\/\/latinoccu.org\/es\/access-your-fico-score\/\">aqu\u00ed<\/a><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-473a3165 cmp cmp-accord-plus e-flex e-con-boxed e-con e-parent\" data-id=\"473a3165\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-33aeb20c elementor-widget elementor-widget-pp-advanced-accordion\" data-id=\"33aeb20c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;accordion_type&quot;:&quot;accordion&quot;,&quot;toggle_speed&quot;:300}\" data-widget_type=\"pp-advanced-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"pp-advanced-accordion pp-toggle-icon-align-right\" id=\"pp-advanced-accordion-33aeb20c\" data-accordion-id=\"33aeb20c\" role=\"tablist\">\n\t\t\t\t\t\t\t<div class=\"pp-accordion-item\">\n\t\t\t\t\t\t\t\t\t\t<div id=\"pp-accordion-tab-title-8671\" class=\"pp-accordion-tab-title\" tabindex=\"0\" data-tab=\"1\" role=\"tab\" aria-controls=\"pp-accordion-tab-content-8671\" aria-expanded=\"false\">\n\t\t\t\t\t\t<span class=\"pp-accordion-title-icon\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"pp-accordion-title-text\">\n\t\t\t\t\t\t\t\tLetra peque\u00f1a <div class=\"accord-sub\">Detalles Importantes<\/div>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"pp-accordion-toggle-icon\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class='pp-accordion-toggle-icon-close pp-icon'>\n\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-angle-up\"><\/i>\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class='pp-accordion-toggle-icon-open pp-icon'>\n\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-angle-down\"><\/i>\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"pp-accordion-tab-content-8671\" class=\"pp-accordion-tab-content\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"pp-accordion-tab-title-8671\">\n\t\t\t\t\t\t<ul><li>*Las condiciones que se piden para el historial de cr\u00e9dito o el cr\u00e9dito alternativo dependen de la cantidad del pr\u00e9stamo solicitado  y del pago inicial<\/li><li>**Este seguro cubre la diferencia entre lo que usted debe por su pr\u00e9stamo de auto y el valor de su auto, en caso de que sufra un siniestro total, un robo o un incendio<\/li><li>Monto m\u00e1ximo: $80,000 para pr\u00e9stamos individuales o conjuntos.<\/li><li>Plazo m\u00e1ximo: hasta 84 meses<\/li><li>Si es aprobado, el veh\u00edculo deber\u00e1 ser registrado en NCDMV con una licencia de conducci\u00f3n v\u00e1lida<\/li><li>Si es aprobado, necesitar\u00e1 proporcionar referencias personales<\/li><li>Si es aprobado, se te pedir\u00e1 que obtengas un seguro de auto con cobertura total. Si no se dispone de una prueba v\u00e1lida de seguro, se a\u00f1adir\u00e1 un cargo adicional a tu pago mensual del pr\u00e9stamo hasta que se proporcione la documentaci\u00f3n aceptable del seguro. M\u00e1s informaci\u00f3n <a href=\"https:\/\/latinoccu.org\/es\/insurance-policy-declarations\/\">aqu\u00ed<\/a><\/li><\/ul>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Paying too much for your car? Come to LCCU to enjoy lower rates and fees. What You Need: Be a Latino Credit Union member Proof of income Your last 6 months of personal account statements or the last year&#8217;s tax return Established credit history or utility bills in your name from your place of residence* [&hellip;]<\/p>\n","protected":false},"author":19,"featured_media":1531,"parent":17626,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"page-structure":[21],"sidebar-content":[33,84,27,37],"class_list":["post-1530","page","type-page","status-publish","has-post-thumbnail","hentry","page-structure-has-sidebar","sidebar-content-apply-now","sidebar-content-make-a-payment","sidebar-content-rates","sidebar-content-want-another-car"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Refinancing Auto Loans - latinoccu.org<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/latinoccu.org\/es\/products-and-services\/loans-credit\/auto-loans\/refinancing-auto-loans\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Refinancing Auto Loans - latinoccu.org\" \/>\n<meta property=\"og:description\" content=\"Paying too much for your car? 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