Auto Refinance
Save money, drive happier.
Why refinance your auto loan?
Lower monthly payment
Locking in a better rate can open up room in your budget. A refinance may reduce your monthly payment and help you save on interest over the life of your loan.
Shorter term
We’ll review your remaining loan balance and your vehicle’s model year to see if we can shorten your loan term. A faster payoff could mean less interest and quicker ownership.
Fewer fees
We keep refinancing simple. There’s no cost to refinance with us, and the only fee you’ll see is the standard lien-filing fee for the vehicle.
RATES
Vehicle Loan Type | APR* as Low as |
|---|---|
Vehicle Loan Type Vehicles 2025-2026 | APR* as Low as 4.24% |
Vehicle Loan Type Vehicles 2018-2024 | APR* as Low as 5.49% |
Vehicle Loan Type Vehicles 2017 and Older | APR* as Low as 6.49% |
*APR=Annual Percentage Rate. Age 18 or over. Offer valid on Cars, Trucks, and SUVs. Rates effective as of January 7, 2026, and are subject to change without notice. Lowest stated APR assumes a credit score of 750 or above and includes automatic payment discount of 0.25%. Lowest rate without discounts is 4.49%. Loan terms up to 96 months on 2025 or newer. Most favorable loans terms available on model years 2025 or newer. No payments required for the first 45 days. No minimum or maximum loan balance required. Subject to credit, collateral, and underwriting approval. Standard underwriting guidelines and credit policies apply. Credit Union membership required. Meridian Trust Federal Credit Union is federally insured by the NCUA
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DISCLOSURES: *APR=Annual Percentage Rate. Age 18 or over. Offer valid on Cars, Trucks, and SUVs. Rates effective as of September 2, 2025, and are subject to change without notice. Lowest stated APR assumes a credit score of 750 or above and includes automatic payment discount of 0.25%. Lowest rate without discounts is 4.49%. Loan terms up to 96 months on 2024 or newer. Most favorable loans terms available on model years 2024 or newer. No payments required for the first 45 days. No minimum or maximum loan balance required. Subject to credit, collateral, and underwriting approval. Standard underwriting guidelines and credit policies apply. Credit Union membership required. Meridian Trust Federal Credit Union is federally insured by the NCUA.