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

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.

What will my payment look like?

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
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
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
Calculators

Auto Loan Rates


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
Effective August 05, 2021 09:15 AM Pacific Time (PT)

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.