friends going on a sunny drive

Refinance Your Auto Loan

External auto refinance rates as low as 3.99% APR*
Apply Now

Why Refinance Your Auto Loan?

You're not stuck with your current loan, and you could be saving big.

Auto loan rates may have dropped since you bought your vehicle. By refinancing now, you
could take advantage of lower rates and flexible terms to:

  • Reduce your monthly payment
  • Pay off your loan faster
  • Free up cash for what matters most

And when you refinance with Service Credit Union, you’re not just a borrower, you’re a part
owner of the credit union. That means lower loan rates, higher savings yields, and support
that goes beyond.

Limited-Time External Auto Loan Refinance Rate

External Auto Loan Refi Rate

As low as

3.99%
APR*

More Than Just a Lower Rate

We make refinancing easy—with powerful benefits designed to work for you.
Flexible Terms

Flexible Terms

Choose a repayment plan that fits your life and budget.
No Payments for up to 90 Days

No Payments for up to 90 Days

Keep your cash flow going with deferred payments at the start.
Fast Approvals

Fast Approvals

Apply in minutes and get funded, often within 24 hours.
Membership Perks

Membership Perks

Qualify for rate discounts up to 0.75% APR** with Direct Deposit+.
Apply Now

What Our Members Are Saying

KM

New Hampshire

I would use this credit union again for any type of loan. Service Credit Union's consumer loan department made the process so easy for me and super quick as well. Very knowledgeable folks.
I would use this credit union again for any type of loan. Service Credit Union's consumer loan department made the process so easy for me and super quick as well. Very knowledgeable folks.

KM

Dave

Lowell MA

The way financial institutions should be. Good and quick service. I have used Service Credit Union for 3 car loans. They do good work.
The way financial institutions should be. Good and quick service. I have used Service Credit Union for 3 car loans. They do good work.

Dave

Mike

Salem NH

Could not be happier with Service CU. They always provide extremely competitive rates and first rate service.
Could not be happier with Service CU. They always provide extremely competitive rates and first rate service.

Mike

Auto Refinance FAQs

Can I still refinance if I owe more than my car is worth?
In some cases, yes. Reach out and we’ll help explore your options.
Will refinancing affect my credit?
Like any loan application, a credit check is required.
Is there a fee for skipping the first payment?
No. Qualified borrowers can defer their first payment for up to 90 days; interest will continue to accrue during this time.
How long does the process take?
Most refinances are completed within 24 hours of approval.
Do I need to be a member to refinance?
Yes—but joining is easy. A $5 deposit into a Primary Savings Account opens the door to membership and benefits.
Can I apply online?
Yes! You can check your rate for a personalized rate estimate with no impact to your credit score:  Check My Rate
Apply Now
*Rates shown are Annual Percentage Rate (APR), accurate as of February 2, 2026, and subject to change without notice. Rates advertised for external refinances only. Rate advertised with a .75% reduction  for the Direct Deposit+ checking account tier (example: 4.74% APR less .75% = 3.99%). 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 checking account tier qualifications for the life of the loan in order to keep their loan discount. The loan type, collateral age and loan term may impact the APR offered. Floor rate may apply. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.

**Loan Discounts do not apply to real estate (excluding HELOC), lines of credit, business loans, certificate or share secured consumer loans, Instant Loans or VISA loans. Discount will be applied to the APR that a member qualifies for based on creditworthiness and checking account tier. The loan type, collateral age and loan term may impact the APR offered. Members must maintain the checking account tier qualifications for the life of the loan in order to keep their loan discount. Discount conditions will be set forth in your loan contract. Floor rate may apply. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.