Refinance Your Vehicle Loan this Spring

Wherever the road takes you this season, 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

Get Pre-Approved and Save However You Like

OCCU-Q3-Auto-Icon-Landing-PreApp-Refinance-Hand Cupping Coin.png
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.

OCCU-Q3-Auto-Icon-Landing-PreApp-Buyout-Car-Dollar Sign.png
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.

Hands Cradling a Dollar Sign Icon
Hands Cradling a Dollar Sign Icon
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.

 

Dollar Sign and Car Icon
Dollar Sign and Car Icon
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.

Rates are subject to change, so lock in yours today!

Or call us at (888) 354-6228

What will my payment look like?

Your monthly payment depends on several factors, including the term of your loan, your rate, and whether or not you have a down payment or a trade-in to put towards your loan.

A longer-term loan can mean a lower monthly payment, but you can always pay off your loan sooner if you're able to, as our auto loans come without any early payoff penalties.

Example Loan Balance: $20,000
Term Rate Payment
60 Months 2.49% APR¹ $355/month
72 Months 2.99% APR¹ $304/month

 

Try It! Use the Calculator Below.


What will my payment look like?

Your monthly payment depends on several factors, including the term of your loan, your rate, and whether or not you have a down payment or a trade-in to put towards your loan.

A longer-term loan can mean a lower monthly payment, but you can always pay off your loan sooner if you're able to, as our auto loans come without any early payoff penalties.

Example Loan Balance: $20,000
Term 60 Months 72 Months
Rate 2.49% APR¹ 2.99% APR¹
Payment $355/month $304/month

 

Try It! Use the Calculator Below.

Find out how much you could save.

Or call us at (888) 354-6228
Resources
Calculators

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.