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Love the Car You Have But Don’t Love the Payment?

We can help you save more every month, with rates as low as 2.74% APR.*

Plus, enjoy these great benefits:                    

  • Flexible terms
  • No payment for up to 90 days
  • Get $100 if you find a rate lower than ours**

Why Should I Refinance My Auto Loan?

Reduce your interest rate – Interest rates change regularly, so there’s a good chance that they’ve fallen since you first took out your auto loan!

Lower your monthly payment – If you keep the same term with a lower rate, you’ll save more every month.

Pay off your loan faster – When you reduce your interest rate with an auto loan refinance, you can potentially pay off your loan in less time than you thought.

Become an owner – Not only is it possible for you to be a full owner of your car sooner; when you join Service Credit Union, you’ll also become a part owner of the credit union. Unlike banks, we have members, not customers, and therefore our profits are given back to the members in the form of lower interest rates on loans and higher yields on savings accounts.

Learn more with Five Reasons to Refinance Your Auto Loan.

What Will My Payment Look Like?

Calculate your estimated payment based on our current rates.

How Do I Get Started?

Applying for an auto loan refinance is easy! You can do it online, over the phone or at one of our branches and you could have your new loan within 24 hours. All you’ll have to do is answer some basic questions about your vehicle and your current loan, as well as your current financial status.


*Rates shown are Annual Percentage Rate (APR), accurate as of 05/13/22 and subject to change without notice. Rates advertised with a 1.00% reduction. A .75% reduction is available for the Direct Deposit+ checking account tier (example: 3.74% APR less .75% = 2.99%). An additional 0.25% APR discount is available for active duty military members. Rate does not apply for guard or reserve members, or veterans. Up to a 1.00% discount will be applied to the APR that a member qualifies for based on creditworthiness and checking account tier. Members must maintain the tier qualifications for the life of the loan in order to keep their loan discount. Floor rate may apply. Cannot be combined with any other offer. Must be member of Service CU or eligible for membership.

**Offer available on purchases and refinances of new and used cars or motorcycles. Rate matching applies to competitors’ auto loans that have terms and conditions consistent with SCU’s 12-75 month loan rates; $100 offer is only available on terms of 60-75 months. If SCU cannot beat competitors’ APR on a 60-75 month loan, we will credit $100 to a qualifying member’s SCU account up to 30 days after original loan application with SCU. A qualifying member is a new or existing member who applies for and is approved for an SCU loan. Proof of applicant’s eligibility for the competitor’s rate must be provided; quoting advertised rates are not sufficient. Approval and rate match eligibility is subject to applicant’s creditworthiness. If total reportable income from SCU equals $600 or more in a taxable year, the credit union will issue you a 1099-MISC. Private, non-commercial loan rates and terms are excluded from this promotion. Offer subject to change without notice. Individual must be a member of Service Credit Union or eligible for membership.