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Auto Loan Refinance


Get the best auto refinance options!

Same Car. Lower Payments.


Refinancing can lower your monthly payment or give you flexibility in how much you finance. CRCU can refinance your auto loan from another financial institution, from CRCU, and even the loan you got at a dealership. With low rates and flexible terms, we’ll steer you to a loan you’ll love.

  • Competitive interest rates
  • Discounts available
  • Little- to no-money-down options with 100% financing available
  • No hidden fees
 
  • No early payoff penalties
  • New auto terms up to 84 months* available for payments customized to your needs
  • Flexible due dates to fit your schedule
  • Refinancing for new and used vehicles
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Benefits/Good to Know

  • We only refinance the current balance, not the original balance
  • Insurance must include deductibles not to exceed $1,005
  • Original signatures are required on the title applications and Power of Attorneys for title work
  • The title office charges $33.00 to add our lien to your title
  • To expedite your application, bring your payment coupon to obtain an accurate 20-day payoff on your existing loan
  • Credit Life/Disability Insurance is available for your vehicle loan
  • Available GAP Insurance helps pay off your remaining loan balance if your auto is stolen or damaged and is deemed to be a total loss
  • Extended warranty protection is available
  • You may be able to lower your monthly vehicle payment with a lower interest rate, a longer loan term, or both.
  • You want a lower interest rate. Especially if your credit score has since improved, we can help you refinance into a lower interest rate auto loan.
  • With a longer loan term, you have more time to pay back the loan and monthly payments could be smaller.

Before you apply, be sure to gather the following:

  • Employment information (including employer name and contact information)
  • Proof of income (pay check stub or W2)
  • Information about the vehicle (make, model, year, mileage, and VIN) or collateral

 

Prior to loan closing, be sure to:

  • Contact your insurance agent to add new lien information and retrieve a binder
  • Insurance binder should list CRCU as lienholder and have our PO Box address
  • Sign your loan documents in person – or electronically with our online application

 

For loan closing, please:

  • Present the vehicle for a visual inspection, if applicable
  • Obtain the 20-day payoff from your financial institution with account number and payoff address
  • Bring a current state-issued photo ID (all parties)

Tools to buy or refinance your ride:

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Auto Loan Calculator

Estimate your monthly car payment.

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GAP Insurance Available

Save on dealer pricing with GAP insurance.

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Two skip-a-pays every year

Skip a loan payment at your convenience.

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Auto Loan
Rates

Browse all current auto loan rates.

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The Process

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Before you apply, be sure to gather the following:

  • Employment information (including employer name and contact information)
  • Proof of income (pay check stub or W2)
  • Information about the vehicle (make, model, year, mileage, and VIN) or collateral

Apply at any CRCU Branch, online, or over the phone at (800) 238-3228 – get pre-approved in minutes!

Prior to loan closing, be sure to:

  • Contact your insurance agent to add new lien information and retrieve a binder
  • Insurance binder should list CRCU as lien-holder and have our PO Box address
  • Sign your loan documents in person – or electronically with our online application

For loan closing, please:

  • Present the vehicle for a visual inspection, if applicable
  • Obtain the 20-day payoff from your financial institution with account number and payoff address
  • Bring a current state-issued photo ID (all parties)
  • Need Assistance?

    For personal help with your loan application, drop by your neighborhood CRCU Branch or give us a call at (800) 238-3228.

Need Assistance?

For personal help with your loan application, drop by your neighborhood CRCU branch or give us a call at (800) 238-3228.

Contact Us

Apply Today

 

*Not available to refinance an existing CRCU auto loan. Your rate will be fixed. Certain terms, conditions, and / or discounts may apply. Other rates and terms available. May not be combined with other offers. All loans and rates are subject to credit approval and some restrictions may apply, including qualifying for a discounted rate. Subject to mileage and vehicle age limitations. A vehicle is considered new when the model is current calendar year, next year so long as the mileage does not exceed 7,500 miles. New or used purchase loans do not qualify. Approval subject to complete underwriting criteria. Subject to mileage and vehicle age limitations. CRCU finances up to 120% of MSRP (new vehicles) or the NADA Retail value (used vehicles). Maximum loan to value (LTV) is 120% including tax, license and fees. Maximum LTV is subject to approval and certain restrictions may apply. The minimum approved loan amount is $500.00.  View rates page to view all disclosure & rates. Offer subject to change or cancellation without notice. CRCU Membership required. Contact us for details.

FAQs

No, it is usually mailed to CRCU for processing of the lien. If they do happen to mail you the title, please bring it in to any of our branches.  

It is based on the current loan payoff, which is the current balance plus interest for a few days.

We do not finance autos with salvage, reconditioned, or branded titles.

Please allow one to two months for the dealership to complete your title transfer process before we can refinance.

Upon closing your loan at CRCU, a check will be mailed to the institution within one business day. Typically, the check is not sent overnight unless it is specially requested.  An overnight fee may apply.

Please check with your Lessee.  They will provide you with further instructions on purchasing your lease. 

Typically, we do not allow CRCU loans to be refinanced. Please visit a personal financial officer for options available. 

Typically, we do not allow CRCU loans to be refinanced. Please visit a personal financial officer for options available.