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Auto Loan Refinance
$500 Cash for Summer Gas!¹
Get a Better Payment
You can shorten your current loan term to pay your loan off faster or length it to lower your payment.
Get $500 Cash for Summer Gas
Refinance your auto loan from another lender and we'll give you $500 for your summer road trips.¹
No Payments for 90 Days
Take a break and get on top of your finances with a payment-free introductory period of 90 days!²
Credit Union Auto Refinance Details
Best For | People who have an auto loan from another lender and want better rates and terms. |
Amount | Minimum of $10,000 |
Interest Rate | As low as 5.99% APR for new and used vehicles.‡ View all rates here. |
Terms | Up to 72 months |
Low Fees | No origination fee and no prepayment penalty |
Auto Loan Calculator
Refer a Friend, Earn $200 Cash
Boat, RV, & Motorcycle Loans
Get $1,000 towards your next car purchase in the event of a total loss.
Why refinance with us?
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Here's our easy credit union auto loan refinance application process:
STEP 1
Apply Online
Enter your personal information and details about your existing auto loan into our simple online portal.
STEP 2
Agree on an Offer
We'll promptly go over your application and, if approved, offer you a better rate and term than your current loan.
STEP 3
Save Money!
We'll give you the funds to pay off your old loan via check or bank transfer, then you'll start making your new payments.
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Loan Terms | Interest Rate |
---|---|
Auto Purchase or Refinance & Motorcycles | |
60 months or less | As low as 5.99% APR‡ |
72 months | As low as 6.25% APR‡ |
Other Vehicle Loans or Refinance (RV & Boat) | |
60 months or less | As low as 7.49% APR‡ |
72 months | As low as 7.75% APR‡ |
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FAQs about Refinancing Auto Loans in Dallas, TX
A credit union auto loan refinance means you take out a whole new auto loan to replace your existing loan with another lender. Here's how it works:
- Apply online for your auto loan refinance
- We'll review your application and run a credit check, then quickly get back to you
- Together, we agree on your new loan amount, rate, and terms and conditions then sign the loan contract
- We'll give you a check or transfer the funds into your account so you can pay off your old loan with another lender
- You start making payments on your new auto loan that better suits your goals, plus save on interest!
Refinancing your auto loan is a chance to see if you can get for a lower APR than what you got for your original auto loan.
- Maybe your credit score has improved since you took out your original loan so you'll qualify for a lower rate.
- Maybe market rates have dropped.
- Maybe you want to extend your term so you can pay your loan off sooner than planned.
- Maybe you want to lower your payment to fit your budget.
Plus, if you're joining Neighborhood Credit Union to switch your auto loan from a different lender, you get to enjoy all our great members-only products and services!