Auto Refinance

Save money, drive happier.

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Why refinance your auto loan?

  • Lower monthly payment

    By locking in at a better rate, you can unlock possibilities. Not only can you enjoy a lower monthly payment, but you spend less on interest over the life of your loan.

  • Shorter term

    We work with you to analyze your remaining loan balance, taking into account the model year of your vehicle, to figure out if, and by how much, we can shorten your loan term.

  • Fewer fees

    Our focus is on your financial future. We don’t want to offset the gains you get from a better auto loan, which is why refinancing will only cost you a $35 filing fee—and it could save you so much more.

Check our rates to see if refinancing is a no-brainer

New and Used Auto Loans - Cars and Trucks

Vehicle Loan Type

APR* as Low as

*APR = Annual Percentage Rate. Stated APR assumes 80% loan-to-value.

Rates may change without notice. Rates above are effective as of November 6, 2023 and are dependent on creditworthiness, age of vehicle, and loan to value term. Age 18 or older, membership and credit qualification required. Maximum terms for each loan type are set in the loan policy. Rates shown here are good for all new loans including refinancing of existing loans elsewhere to our lower rates. Vehicles 2015 and older will qualify for the unsecured rate.

Vehicle Loan Type

New Vehicles 2022-2024

APR* as Low as


Vehicle Loan Type

Used Vehicles 2016-2021

APR* as Low as


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