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!
➜ Rates as low as 2.49% APR¹ for 60 months
➜ 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 |
Reasons to Refinance
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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. |
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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.
Example Loan Balance: $20,000 |
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|---|---|---|
| Term | Rates as Low As | Monthly Payment |
| 60 Months | 2.49% APR¹ | $355/month |
| 72 Months | 2.99% APR¹ | $304/month |
Example Loan Balance: $20,000 |
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|---|---|---|
| Term | 60 Months | 72 Months |
| Rates as Low As | 2.49% APR¹ | 2.99% APR¹ |
| Monthly Payment | $355/month | $304/month |
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Use the buttons on our Auto Payment Calculator to customize a loan that fits your needs. Then contact us to get started, or apply now. |
Resources
- Protect Your Assets (GAP Plus Coverage)
- Minimize Out-of-Pocket Repair Costs (Mechanical Repair Coverage)
- 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)
Auto Loan Rates
| New Autos | Used Autos | First Time Auto Buyer - New / Used | |
|---|---|---|---|
| APR** As Low As | 2.49% - 12.14% | 2.49% - 12.49%*** | 4.49% - 4.74% |
| Max Term (Months)* | 84 | 72 | 72 |
| Amount Financed**** | Up to 100% LTV | Up to 100% LTV | up to 100% LTV |
| APR** As Low As | Max Term (Months)* | Amount Financed**** | |
|---|---|---|---|
| New Autos | 2.49% - 12.14% | 84 | Up to 100% LTV |
| Used Autos | 2.49% - 12.49%*** | 72 | Up to 100% LTV |
| First Time Auto Buyer - New / Used | 4.49% - 4.74% | 72 | up to 100% LTV |
¹APR is Annual Percentage Rate. Representative examples: rates as low as 2.49% APR based on creditworthiness. Not all borrowers will qualify for our lowest rate. Approximate payment per $1,000 on a new and used auto loan with a 60-month term at 2.49% APR is $17.74. Rate shown is for premium credit and includes a 0.25% discount for automatic payments. APRs for loans without automatic payments or if automatic payment is discontinued will be 0.25% higher. Rate good for up to 100% financing on new and used cars. Vehicles with more than 5,000 miles will be classified as used cars. Longer terms are available. Maximum term not available on all loan amounts. Call for rates. Minimum loan amount is $5,000. Restrictions include, vehicle must be purchased, registered/titled in CA, and for personal use only. Also, this offer is not valid for exotic, classic, gray market, salvage, or Lemon Law buy-back vehicles. Additional costs which may apply: $25.00 for private party loans and $50.00 for refinancing an existing Orange County's Credit Union auto loan. Normal approval standards apply. Not all applicants will qualify. Rates, terms, and conditions are subject to change without notice.
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.