Reverse the Rate. Keep the Ride.

That rate is doing you zero favors.

You got the car. You signed the deal. You moved on. But that rate? Yeah… it’s not helping you.

Put Your Auto Loan in Reverse

That dealership financing got you on the road, but it might not be taking you in the right direction.

With UCCU, refinancing is simple. And it could make a real difference in what you pay every month.

Drop your rate by up to 2.00% APR*
Lower your monthly payment
Flexible payments with Pay as You’re Paid

A Smart Move, Without the Headache

No pressure. No hoops. No “let me check with my manager”.
Just a better loan that works for your life.

And yes – it’s easier than you think. Like… actually easier.

How It Works (It’s a 3-Step Thing)

Check Your Savings
See what your current rate is really costing you. (This part might surprise you.)
Apply in Minutes
Quick, simple, and no dealership desk required.
Start Saving
Lower payment. Better rate. Same car. Much better situation. Plus, you can pay when it works for you – since we have more flexible payment options.

Want Proof? We’ve Got the Receipts.

Go ahead – see the numbers for yourself.

You’re Not Stuck (Even If It Feels Like It)

A lot of people think once they finance at the dealership, that’s it. It’s not.

You can switch. You can save.
You can absolutely do better than that rate.

Ready to Put It In Reverse?

Auto Loan Refinance FAQs

Can I refinance my auto loan with UCCU?

Yes. If you currently have an auto loan with another lender, you can refinance it with UCCU and potentially lower your rate, reduce your payment, or both.

How does auto loan refinancing work?

Refinancing replaces your current car loan with a new one. Ideally with a lower interest rate or better terms. With UCCU, the process is simple and can often be completed quickly online, over the phone or in-person.

Will refinancing lower my monthly payment?

It can. By lowering your interest rate or updating your term, refinancing may reduce your monthly payment and help free up cash in your budget.

How much can I save by refinancing my car loan?

Savings vary, but UCCU offers the opportunity to lower your rate by up to 2.00% APR*! This could mean noticeable monthly and long-term savings.

How long does it take to refinance an auto loan?

Many applications can be completed in minutes, and approvals are often quick. The full process timeline depends on your situation, but UCCU aims to make it fast and easy.

Can I keep my current car if I refinance?

Yes! Refinancing only changes your loan, not your vehicle. You keep your car and simply replace the financing.

What is “Pay as You’re Paid”?

It’s a flexible payment option that lets you align your loan payments with your paycheck—weekly, bi-weekly, or monthly—making budgeting easier.

Is refinancing worth it if my rate isn’t that high?

Even a small rate reduction can lead to meaningful savings over time. It’s worth checking—especially since it only takes a few minutes to see your options.

*APR=Annual Percentage Rate. Offer excludes 0% financing. Rate given will be higher of 2.00% less than current, external rate or lowest base rate offered. Must meet credit union lending guidelines. Qualified applicants earn a rate reduction of 0.25% up to 84-month term with automatic payment via payroll deduction, automatic transfer, or ACH payment. Rates subject to change without notice. Some conditions apply. Existing UCCU loans do not qualify for this offer. Federally insured by NCUA.

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