**Refinance your ride to bump up your savings and
Eligibility Requirements:
- Min. credit score: 680+
- Loan type: refinance and new money only
- Min. auto payment history: 6 payments made
- Vehicle age: Max 8 years old
- Combined LTV (CLTV): <= 125%
Rates & Terms:
- 4.99% APR - 66 months term
- 5.24% APR - 72 months term
- 5.74% APR - 84 months term
Offer valid: 7/06/26 - 7/31/26
All applications must be closed by 8/31/26
When clicking the Apply Now button, members can login to have some of the application auto-filled. If you are not a member you can still apply, but you will select the 'Continue Without Login' option. Once the application is accessed you will want to select the Used Car option and when asked for a loan purpose you will select 'Refinance'.
If you are a non-member and you are approved for the loan offer, you will need to open an account with us to complete the loan set up. You can do this in-person or online.
Thank you!
*APR = Annual Percentage Rate. Rates effective July 6, 2026, through July 31, 2026. Offer available for external auto loan refinances only; internal refinances are not eligible. Rates shown are available for qualified borrowers with a credit score of 680 or higher and are subject to credit approval. 4.99% APR for up to 66 months, 5.24% APR for up to 72 months, 5.74% APR for up to 84 months. Actual payment amount may vary based on the amount financed, term selected, credit qualifications, and other applicable factors. Vehicle must be 8 model years old or newer. Other underwriting requirements and restrictions apply. Membership required. Offer may be withdrawn or changed without notice. Applications must be received by July 31, 2026, and loans must close by August 31, 2026.
Estimated Monthly Payment Examples:
Borrow $20,000 at 4.99% APR for 66 months = $355.61 per month
Borrow $20,000 at 5.24% APR for 72 months = $324.33 per month
Borrow $20,000 at 5.74% APR for 84 months = $289.68 per month