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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 5.99% APR.*

Plus, enjoy these great benefits:                    

  • Flexible terms
  • No payment for up to 90 days

Why Should I Refinance My Car 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 car loan faster – When you reduce your interest rate with an auto loan refinance, you can potentially pay off your vehicle 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.

Car Loan Calculator

Calculate your estimated payment based on our current rates.

How Do I Refinance My Car?

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 auto loan, as well as your current financial status.

Service CU Member Reviews

*Rates shown are Annual Percentage Rate (APR), accurate as of 11/8/22 and subject to change without notice. Rates advertised with a .75% reduction. A .75% reduction is available for the Direct Deposit+ checking account tier (example: 6.74% APR less .75% = 5.99%). Up to a .75% 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.