Lower My Rate - Car Refinance

Looking to save more on your auto loan?

Refinance Your Auto Loan and Save!

We want to help you put more money back in your pocket. Whether you seek lower monthly payments or better loan terms, we're here to make it happen. Take advantage of our hassle-free refinancing process and find financial relief in no time. Drive away in a new or used car financed by SCU Credit Union.

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Why Refinance Your Auto Loan?

Highlights

Consolidate car payments

Combine existing loans for easier management

Why choose us?

Unlike dealership financing, which often comes with extra fees and marked-up interest rates, our loans are designed to provide transparency, better rates, and lower monthly payments that work for your budget.

Tailored Solutions: We cater to your unique financial needs with personalized refinancing options.
Expert Advice: Our financial experts are here to guide you every step of the way.
Fast and Easy Process: Quick approval and a simple refinancing procedure.
Transparent and Trustworthy: We believe in clear communication and fair terms.

Table data for New Auto Loans
Effective Date: September 5, 2025
Vehicle Year	APR¹	Monthly Payment per $1,000	Term
2024 - 2026	4.99%	$18.08	Up to 63 Months

	5.99%	$16.57	64 - 72 Months

	6.24%	$16.14	73 - 75 Months

	6.49%	$14.84	76 - 84 Months

¹APR = Annual Percentage Rate. **New vehicle: Less than 5,000 miles. Up to 115% financing may be available. Your rate, term, and approved loan amount may vary based on your creditworthiness. Advertised APR is the lowest available. Not all borrowers will qualify for the lowest rate. Rates are effective as of today’s date and are subject to change without notice. 76-84-month terms available for a minimum amount financed of $30,000. 64-75-month terms available for a minimum amount financed of $15,000.↵

Table data for Used Auto Loans
Effective Date: September 5, 2025
Vehicle Year	APR	Monthly Payment per $1,000	Term
2021 - 2025	5.49%	$18.31	Up to 63 Months

	5.99%	$16.57	64 - 72 Months

	6.24%	$16.14	73 - 75 Months

2018 - 2020	5.99%	$18.54	Up to 63 Months

	6.74%	$16.92	64 - 72 Months

	6.99%	$16.50	73 - 75 Months

2015 - 2017	6.99%	$19.01	Up to 60 Months

APR = Annual Percentage Rate. ***• Used vehicle: 2024-2025 vehicle with 5,000 or more miles or 2015-2023 vehicle with 120,000 or less miles. Your rate, term, and approved loan amount may vary based on your creditworthiness. Advertised APR is the lowest available. Not all borrowers will qualify for the lowest rate. Rates are effective as of today’s date and are subject to change without notice. Up to 115% financing may be available for vehicles with mileage less than 120,000. 64–75-month terms available for mileage less than 90,000 and a minimum amount financed of $15,000.

Lower your car payment

rates as low as

4.99%

APR

Your car could cost less!

Slash your loan payments through refinancing and discover how much you can save.

Down payment options – as little as no money down
Flexible terms up to 84 months for a new car and up to 75 months for a used car
Finance up to 100% of your car's value (subject to certain limitations)