Auto Loan Refinance
Lower rates, less stress
Lower monthly payments. Pay less interest. Maybe shorten your loan term. There are lots of ways refinancing your auto loan can save you money.
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No payments for 90 days!†
For a limited time, borrowers can enjoy no first payment for up to 90 days on their new or used auto loan. Don’t wait! Offer expires 9/30/2026.
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Lower your interest rate
By refinancing your current loan, you may be eligible for a lower interest rate, saving you money over the life of your loan.
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Better terms
Refinance and get the time you need with our term options.
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Pay off your loan faster
Manage debt by refinancing to a shorter term, paying off your loan quicker on your way to being debt-free.
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Cash out your equity
In today’s auto market, your used car has equity. With a cash-out refinance, you can walk away with the cash you need from the equity you have in your car.
Special member offer
SECU members, click below to sign into online banking and see if you're already approved for an auto re-fi loan.
CHECK PREAPPROVALStart saving
Ready to reduce your monthly auto expenses? Click below to start the refinance process. Remember, you can’t refinance at the dealership.
Want more info on refinancing?
Not 100% about your options? Talk to a SECU auto loan specialist who can help you choose the refinancing solution that fits your needs. Make an appointment and start saving.
Schedule In-person Appointment
Low Rates Starting at 4.04%*
If you haven’t considered SECU for an auto loan, now is the perfect time — our new lower rates make upgrading easier than ever!
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†First payment for new and used auto loans may be deferred up to 90 days. Excludes SECU refinances. Interest will continue to accrue from the date of loan funding. To qualify, applications must be funded during the promotional period of 5/4/2026 to 9/30/2026.
*APR=Annual Percentage Rate. Rate above is for well qualified borrowers and applies to specific terms and conditions depending on term of loan. Your actual rate may be higher. Your rate may vary based on term, application and credit history. Advertised rates include auto pay and are subject to change without notice and are subject to credit approval. Additional terms and restrictions may apply. Membership Required.
**See here for repayment information.
***Dealerships with names such as “John Smith Ford” or “Southwest Honda” are franchise dealerships. These dealerships have a contract with an automobile manufacturer that allows them to sell its products. They are distinguished from independent dealerships that have names like “Johnny Smith’s Used Cars.” These dealers have no affiliation or contract with any manufacturer. Auto Checks may also be used at Carmax and Enterprise Car Sales.
