Refinance Your Auto Loan
Wherever the road takes you, we can help you refinance your ride. By lowering your rate or changing your term, you could drive down your payment, speed up your payoff, or even better—both!
➜ Competitive rates
➜ Terms up to 72 months for used vehicles
➜ No payments for the first 30, 60, or 90 days²
➜ Save time when you e-Sign your documents |
Key Reasons to Refinance
 |
Lower Your PaymentLowering your interest rate can mean a lower monthly payment. Extending your loan term is another way to bring down the monthly due. |
 |
Lower Your Interest PaidBy lowering the APR¹ of your loan, you'll also pay less in interest over the whole term. This can add up to big savings over the years you have the loan. |
Lower Your Payment
Lowering your interest rate can mean a lower monthly payment. Extending your loan term is another way to bring down the monthly due.
Lower Your Interest Paid
By lowering the APR¹ of your loan, you'll also pay less in interest over the whole term. This can add up to big savings over the years you have the loan.
Your monthly payment mainly depends on the dollar amount you decide to borrow, your finance rate or APR,¹ and the term, such as 72 months. There may be other contributing factors, so please try our calculator below and contact us with any questions.
 |
Use the buttons on our Auto Payment Calculator to customize a loan that fits your needs. Then contact us to accept your pre-approval and get started. |
Resources
- Protect Your Assets (GAP Plus Coverage)
- Minimize Out-of-Pocket Repair Costs (Mechanical Repair Coverage)
- Prepare for the Unexpected (Debt Protection)
- Browse Vehicles for Sale (Auto-Buying Concierge Service)
- Save on Auto Insurance (Free Quote)
Calculators
- Auto Payment (Calculator)
- Cash Rebate vs 0% Financing (Calculator)
- Accelerated Payoff (Calculator)
- Affordable Monthly Payment (Calculator)
¹APR is Annual Percentage Rate.
²The no payment for up to 90 days option is available for qualified borrowers. Does not apply to the refinance of existing CU auto loans or cash-out refinance loans. Finance charges begin to accrue the date the loan is funded and are repaid in the first monthly payment(s) due. As a result, you may pay higher total finance charges on the loan than if repayment began earlier.
Orange County's Credit Union is an Equal Opportunity Lender.