Does CAMPUS USA refinance auto loans from other lenders?

Yes. CAMPUS states, "Get the best auto loan rate when you purchase or refinance," and offers to beat or match any 'bank' rate.

What auto rate does CAMPUS USA publish?

In the Ocala market, 2026-2027 model year vehicles with terms up to 60 months start as low as 5.31% APR, while 2024-2025 models start as low as 5.46% APR.

Who can join CAMPUS USA Credit Union?

Membership is open to anyone in Alachua, Citrus, Clay, Columbia, Duval, Gadsden, Gilchrist, Hernando, Hillsborough, Jefferson, Lake, Leon, Levy, Madison, Marion, Nassau, Orange, Pasco, Polk, Seminole, Sumter, Suwannee, Taylor, and Wakulla counties, with credit approval and an initial $5 deposit required.

All lenders

Best for: Florida residents in eligible counties who want to refinance from a bank

Campus USA Credit Union

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

Min credit

Not disclosed

APR

From 5.31%

Max vehicle age

Not disclosed

Max mileage

Not disclosed

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

"Not disclosed" means Campus USA Credit Union does not publish this on their public site. "No restriction" means Campus USA Credit Union explicitly states no limit.

Overview

CAMPUS USA Credit Union offers to refinance an auto loan from another lender and promises to beat or match any 'bank' rate. As of October 2026, rates for 2026-2027 model year vehicles with terms up to 60 months start at 5.31% APR in the Ocala market, rising to 5.46% APR for 2024-2025 models.…

What’s great

Get the best auto loan rate when you purchase or refinance
Competitive rates – states it will beat or match any 'bank' rate
Published starting rate of 5.31% APR for 2026-2027 models up to 60 months

What to know

Only an 'as low as' starting rate is published, with no disclosed maximum APR
Membership restricted to 24 specific Florida counties

Eligibility

Minimum credit score	Not disclosed
APR range	Not disclosed
APR floor (as low as)	From 5.31% — minimum only; full range not published
Maximum vehicle age	Not disclosed
Maximum mileage	Not disclosed
Loan amount range	Not disclosed
Term length	Up to 60 months
States served	Not disclosed
Membership requirement	Open to anyone in Alachua, Citrus, Clay, Columbia, Duval, Gadsden, Gilchrist, Hernando, Hillsborough, Jefferson, Lake, Leon, Levy, Madison, Marion, Nassau, Orange, Pasco, Polk, Seminole, Sumter, Suwannee, Taylor, and Wakulla counties, Florida.

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from Campus USA Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Campus USA Credit Union before applying.

[1]Auto Loans — CAMPUS USA Credit Union
https://campuscu.com/auto-loans/
Last checked: October 2026
[2]Savings and Loan Rates (Ocala) — CAMPUS USA Credit Union
https://campuscu.com/rates/?market_area=Ocala
Last checked: October 2026