Compare auto refi lenders

7 17 Credit Union — published auto APRs of 6.58%–7.23% on 66-, 75-, and 84-month terms.

Abound Credit Union — refinance APRs as low as 5.24% (2023+) and 5.64% (2022 or older).

Achieva Credit Union — auto rates as low as 5.00% APR with terms up to 84 months.

Advancial CU — auto refinance for members, terms up to 84 months.

Affinity Plus Federal Credit Union — published 4.74%–18.00% APR range on auto loans.

Alliant — published 60-month APR floors, terms to 84 months, and a 0.50% discount for using its Car Buying Service.

Ally — soft-pull prequalification, terms 36–75 months, available in 47 states + DC excluded.

Altra Federal Credit Union — auto refinance discount of up to 1.00% APR.

Amarillo National Bank — auto refinancing with rates shared by phone.

American Airlines FCU — as-low-as APRs from 3.34% for members.

American Heritage Credit Union — auto refinancing with terms up to 7 years and easy membership through foundation donation.

Arkansas Federal Credit Union — auto refinance APRs from 4.99% to 18.00% with terms up to 100 months.

Arrowhead CU — rates as low as 3.99% APR, terms up to 84 months.

Arvest Bank — auto refinancing for Arkansas, Kansas, Missouri, and Oklahoma residents.

Ascend Credit Union — published 5.49%–17.64% APR for new vehicle loans up to 60 months.

Associated CU — auto refinance for members, terms up to 84 months.

Austin Telco FCU — published auto rates of 5.54%–6.49%, terms up to 84 months.

Auto Approve — refinance rates as low as 4.99% APR through partner lenders.

Axos Bank — online auto refinancing, $10,000 to $100,000, terms up to 96 months.

Barksdale FCU — published refinance APRs of 5.89%–17.15%, terms up to 78 months.

BayPort Credit Union — as-low-as APRs from 4.99%, refinance terms up to 84 months.

BCU — refinance rates starting at 3.84% APR with no fee for vehicle refinances.

BECU — published 5.89%–18.00% APR range with no application or prepayment fees.

Bellco Credit Union — auto rates starting at 5.74% APR with a limited-time 90-day payment deferral on external refinances.

Beneficial State Bank — refinancing for non-commercial vehicles.

Blue Federal Credit Union — refinance your auto loan for rates as low as 5.49% APR.

CAMPUS USA Credit Union — auto rates starting at 5.31% APR and a rate-match promise against bank rates.

Canvas Credit Union — auto rates from 5.24% with terms up to 84 months.

Capital CU — rates as low as 4.24% APR, terms up to 84 months.

Capital One — soft-pull prequalification, $7.5k–$75k refinances, vehicles 10 years or newer.

Caribou — refinance APRs from 4.49% to 28.55% through local and community lenders.

Carputty — refinance from 4.33% APR, $10,000 to $150,000, terms 24 to 72 months.

CEFCU — standard vehicle rates from 4.99% with no application or prepayment fees.

Central Pacific Bank — auto refinancing for Hawaii residents.

Chartway CU — auto refinance for members.

Chase Auto — refi $4k–$100k, vehicles up to 10 years and up to 120k miles, advertised $2,600 average lifetime savings.

Citadel Credit Union — published rates as low as 5.74% APR for refinancing newer used vehicles.

Citizens and Farmers Bank — auto, boat, and motorcycle refinancing.

Citizens Bank of West Virginia — auto refinancing with a cash-out option.

City Bank — refinance your current auto loan with a Texas community bank.

Coastal Credit Union — published 3.99%–10.59% APR range by model year with terms up to 84 months.

Commerce Bank — auto loan refinancing with flexible terms.

Communication Federal Credit Union — auto refinance rates published as low as 4.49% APR.

Community Bank, N.A. — refinance APRs from 6.19% (2024+), terms up to 60 months.

CommunityAmerica Credit Union — Local refinancing options with potential profit sharing bonuses.

Connexus — auto refinance from 4.69% APR with 90 days no payments and a 0.25% member loyalty discount.

Consumers Credit Union — auto refi from 3.99% APR with the Car Buying Service discount and a published rate grid by term and model year.

CoVantage CU — auto refinance for members.

Credit Human — refinance rates starting at 5.69% APR with terms up to 84 months.

Credit Union 1 — published auto APRs of 3.99%–8.15%, terms of 36–84 months.

Credit Union of America — refinancing auto loans in Kansas with terms up to 84 months and no origination fees.

Credit Union of Colorado — refinance rates starting at 5.99% APR for Colorado residents.

Credit Union of Texas — refinance with flexible terms up to 84 months and no prepayment penalties.

Cyprus CU — auto refinance for members, terms up to 84 months.

DATCU — published auto APRs of 5.44%–7.94%, terms up to 96 months.

Delta Community Credit Union — refinance with no application or origination fees.

Desert Financial Credit Union — Arizona-based auto refinancing with competitive rates and flexible terms.

DCU — auto refinance from 4.99% APR on terms up to 65 months, with up to 130% LTV.

Dupaco Community CU — rates as low as 5.19% APR, terms up to 84 months.

Eastman Credit Union — published 4.99%–12.89% APR on used auto loans with terms up to 120 months.

EECU — Large-balance refinancing with extended payment deferrals.

Empower FCU — flexible auto refinancing in New York with terms up to 84 months and specialized balloon loan options.

ESL Federal Credit Union — Financing for new and used vehicles with flexible terms and competitive rates.

Everwise Credit Union — Low-rate auto refinancing for residents of Indiana and Michigan.

Exeter Finance — auto refinancing from a national auto finance company.

Fifth Third — refinance an outside auto loan for a 0.25% rate discount, plus another 0.25% off with checking-account autopay.

First Citizens Bank — refinance APRs as low as 5.99%, loans from $2,500 to $200,000.

First Community Credit Union — Missouri-based lender offering competitive local financing.

First Financial Bank — APRs from 4.495% on 2023+ vehicles, terms 24 to 72 months.

First Tech FCU — auto refinance for members with broad membership eligibility.

Five Star Bank — vehicle refinancing with fixed monthly payments.

Flagship Credit Acceptance — direct auto refinancing for non-prime credit.

Florida Credit Union — save on your vehicle with refinance rates as low as 5.357% APR and rebates up to $400.

FORUM Credit Union — published auto loan rates starting at 6.34% APR for 2024-or-newer vehicles.

Founders Federal Credit Union — transparent auto refinancing with fixed rates for new and used vehicles.

FourLeaf Federal Credit Union — refi from 5.88% APR with terms to 84 months and 90-day first-payment deferral.

Gate City Bank — auto refinance rates as low as 4.99% APR in North Dakota and Minnesota.

GE Credit Union — published rates as low as 7.45% APR for used/refinance auto loans.

GECU — Local El Paso lending with competitive floor rates and flexible 84-month terms.

Genisys Credit Union — High-value auto refinancing with rates starting as low as 4.04% APR.

Georgia's Own Credit Union — as-low-as APRs from 4.35%, terms up to 96 months.

Gesa Credit Union — refinance rates from 4.49% with up to 120 days before your first payment.

Global Credit Union — published 5.50%–13.00% auto APR range with terms up to 96 months.

Golden 1 — auto refinance from 5.24% APR with terms up to 84 months for California members.

Goldenwest Credit Union — low-interest auto refinancing with terms up to 84 months and no application fees.

Gravity Lending — refinance rates as low as 3.89%, matched with lending partners.

Grow Financial — refinancing with used, new, and other vehicle types supported and rates starting at 5.05%.

GTE Financial — flexible auto refinancing with high LTV options and membership open to all via CU Savers.

HAPO Community Credit Union — auto refi rates from 5.24% APR for 2018-and-newer vehicles.

Happen Bank (formerly LendingClub Bank) — auto refinance is still offered, but underwriting criteria are not publicly disclosed.

Harborstone CU — rates as low as 5.99% APR.

Hello Refi pairs you with a consultant who shops credit-union refinance options.

Hudson Valley Credit Union — refinance rates starting at 5.64% APR with no application or handling fees.

Hughes Federal Credit Union — refinance rates from 5.95% with terms up to 84 months.

Huntington — auto refinance with a published APR grid by model year, from 5.92% APR (2025–2027) to 9.18% APR (2018).

Idaho Central Credit Union — auto rates from 5.69% with terms up to 84 months.

IH Mississippi Valley Credit Union — community-focused auto refinancing for Illinois and Iowa residents.

Keesler Federal Credit Union — competitive rates for refinancing new, used, and classic vehicles.

KEMBA Financial CU — published APRs of 5.14%–10.59%, terms up to 84 months.

KeyBank — auto refinance with a $5,000 minimum loan and terms up to 72 months.

Lake Michigan Credit Union — auto rates starting at 5.74% APR and refinancing from any lender.

Landmark Credit Union — Competitive auto refinancing with specialized term lengths.

Langley Federal Credit Union — refinance from 5.99% APR with GAP coverage included.

Leaders CU — auto refinance for members, terms up to 96 months.

Lendbuzz — auto refinancing for thin-credit and no-SSN borrowers.

Lighthouse CU — rates as low as 5.24% APR, terms up to 96 months.

LoanCenter — refinance option aimed at all credit types, quoted by a loan officer.

Logix — auto refi APR as low as 4.74% on a 36-month term, with up to 125% LTV.

M&T Bank — auto refinance with a published 5.89%–15.64% APR range and terms up to 84 months.

Members 1st — dedicated refinance application with no application fees or prepayment penalties.

Meritrust Credit Union — auto loans advertised as low as 5.37% APR.

Michigan Schools and Government Credit Union — lower your auto rate by 0.25% with the Auto Rate Pledge.

MIDFLORIDA Credit Union — Financing up to 125% of your vehicle's value for comprehensive coverage.

Mountain America — auto refi APR as low as 5.24% with no application fees.

MSUFCU — auto refinance rates starting at 5.74% APR with terms up to 84 months.

NASA Federal Credit Union — Flexible refinancing options with no strict vehicle age or mileage limits.

Navy Federal Credit Union — military-affiliated members get a fully published auto refi rate grid and terms up to 96 months.

Northwest Bank — refinance APRs as low as 6.74%, terms up to 72 months.

Northwest Federal Credit Union — Diverse auto loan options with terms up to 96 months.

Numerica Credit Union — published auto APRs of 4.99%–15.24%, terms up to 84 months.

OCCU — Competitive rates and fast local decision-making for residents of Oregon and Washington.

Old National Bank — refinance APRs as low as 6.005%, terms up to 84 months.

OneAZ CU — auto refinance for members.

OneMain Financial — refinance your auto loan with a personal loan, 11.99% to 35.99% APR.

OpenRoad Lending — direct auto-refinance lender with clearly published vehicle and loan-payoff eligibility rules.

Orange County's Credit Union — refinance rates as low as 4.49% APR with terms up to 84 months.

Oregon State CU — refinance APRs as low as 5.44%, terms up to 96 months.

Oriental Bank — conventional auto APRs from 5.29% (new) and 6.69% (used).

ORNL Federal Credit Union — Transparent auto refinancing with no hidden fees.

Patelco — auto refi from 5.39% APR with terms up to 84 months and up to 140% financing.

Peak Credit Union — refinancing auto loans for the people who serve Northwest communities.

PenAir CU — published APRs of 5.24%–17.49%, terms up to 84 months.

PenFed Credit Union — auto refinance with a fully published rate grid by term and vehicle type.

PNC Bank — auto refinance with rates quoted by zip code through its online tool.

Police and Fire FCU — affordable auto refinancing with up to 120% financing and terms up to 7 years.

P1FCU — as-low-as APRs of 5.15% (up to 60 months) and 5.45% (up to 72 months).

PSECU — published 5.69%–12.14% APR range with terms up to 96 months.

RBFCU — same low APR for new, used, and refinance auto loans.

Redstone Federal Credit Union — published 5.00%–9.00% APR range across vehicle types and terms.

Redwood Credit Union — Flexible refinancing for Northern California drivers.

RefiJet — online auto refinancing matched to one lender.

Regions — auto refi APR from 6.49% (with Auto Pay) on vehicles up to 7 years and 90k miles.

Rivermark Community CU — as-low-as APRs of 6.24%–6.49%, terms up to 96 months.

Robins Financial Credit Union — low auto refinance rates starting at 4.10% APR for 2026 models.

Rockland Credit Union — competitive auto refinance rates and nationwide accessibility through the ACC.

Royal Credit Union — Local lending with flexible eligibility and same-day decisions.

SAFE CU — auto refinance for members.

SchoolsFirst FCU — published 36–84 month auto refi rate grid for California school-community members.

Security Service — refinancing for members across Texas, Colorado, and Utah.

Service Credit Union — Competitive refinancing with specialized military support.

Shell FCU — published APRs of 3.49%–18.00%, terms up to 84 months.

Sound Credit Union — Washington auto refinancing with competitive rates up to 84 months.

Space Coast Credit Union — refinance-specific rates from 5.74% with no application fees.

Spokane Teachers Credit Union — Flexible auto financing with terms reaching up to 96 months.

NCSECU — published 36–84 month new-auto APR grid, terms up to 96 months for qualifying new vehicles.

Summit Credit Union — providing auto refinancing options and same-day decisions for members.

Suncoast — auto refi APR as low as 5.09% and zero payments for 90 days.

TDECU — rates as low as 6.10% APR, terms up to 84 months.

Teachers FCU — refinance APRs as low as 5.39% on a minimum 24-month term.

Tenet — refinancing only for electric and plug-in hybrid vehicles.

Tennessee Valley FCU — refinance terms up to 84 months on vehicles under 100,000 miles.

Texans Credit Union — competitive auto refinance rates for Texas residents with terms up to 7 years.

Tinker Federal Credit Union — published 5.99%–16.24% APR range with terms up to 84 months.

Together Credit Union — refinance APRs as low as 4.99% (new) and 5.34% (used).

Tower Federal Credit Union — used auto refinance rates from 4.49% to 6.49% APR.

TowneBank — refinance APRs starting at 7.41%, fixed rates for 3 to 6 years.

Travis Credit Union — new auto rates from 5.24% to 18.24% APR with terms up to 84 months.

Tresl — refinance APRs as low as 2.99% from a lending-partner network.

Truist — secured auto refinance with a published rate floor of 5.65% APR and loans up to $400,000.

Truliant Federal Credit Union — Drive Down refinance rates published as low as 4.49% APR.

U.S. Bank — auto refinance with a published lowest APR of 7.21%, available in 47 states + DC.

Union Bank and Trust — auto refinancing with an autopay rate discount.

UFCU — published 4.49%–17.40% APR auto loan rates by credit tier.

Upgrade — online auto refinance with clearly published vehicle and loan eligibility rules.

USAA Bank — auto refinance for military, veterans, and eligible family members.

Utah Community CU — refinance rates as low as 5.24% APR for 2018 or newer vehicles.

UW Credit Union — rates from 5.47% APR with a 90-day no-payment, no-interest refinance option.

Vantage West Credit Union — local Arizona auto refinancing with rates as low as 6.05% APR.

Veridian Credit Union — Iowa/Nebraska community CU; auto loans available, refi criteria not separately disclosed.

Virginia Credit Union — Competitive refinancing for vehicles up to ten years old.

VyStar — auto refinancing with terms up to 84 months and no payments for up to 90 days.

Wellby Financial — refinance APRs as low as 5.24%, terms up to 84 months.

Wings — auto refi with a full APR grid from 5.49% on 2023+ vehicles.

Wright-Patt Credit Union — published 4.99%–15.44% APR range for newer vehicles.

WSECU — published APRs of 5.05%–14.74%, terms up to 84 months.

Truist-owned online lender (formerly SunTrust) offering unsecured auto refinance with no age, mileage, or appraisal restrictions.

AUTOPAY — one application, multiple lender offers, including thin-credit profiles.

GreenState — refinance from another lender, get a $100 bonus, and skip payments for up to 60 days.

myAutoloan — up to four pre-qualified refi offers, rates as low as 3.99%±.

RateGenius — nationwide auto-refinance marketplace partnered with 150+ lenders.