Auto Refinance
Save money, drive happier.
Why refinance your auto loan?
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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.
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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.
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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 there are no costs to refinance your loan; however, there is a filing fee to place a lien on the vehicle.
Check our rates to see if refinancing is a no-brainer
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Vehicle Loan Type |
APR* as Low as |
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*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 4.24%. 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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Vehicle Loan Type Vehicles 2025-2026 |
APR* as Low as 4.24% |
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Vehicle Loan Type Vehicles 2018-2024 |
APR* as Low as 5.49% |
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Vehicle Loan Type Vehicles 2017 and Older |
APR* as Low as 6.49% |