Used-auto APR is as low as 5.24%, and new-auto loans start at 4.99%.

Is there a vehicle age limit?

84-month terms are limited to vehicles up to 10 model years old.

All lenders

Best for: Long-tenured Golden 1 members refinancing a vehicle 10 model years old or newer

Golden 1 Credit Union

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

Min credit

Not disclosed

APR

5.24%–5.24%

Max vehicle age

10 yrs

Max mileage

Not disclosed

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"Not disclosed" means Golden 1 Credit Union does not publish this on their public site. "No restriction" means Golden 1 Credit Union explicitly states no limit.

Overview

Golden 1 Credit Union offers refinance under its used-auto loan product. The lowest published used-auto APR is 5.24% (new-auto loans start at 4.99%), and 84-month terms are available for vehicles up to 10 model years old. Golden 1 does not currently publish a loyalty rate discount.…

What’s great

Lowest published used-auto APR of 5.24%
New-auto loans start at 4.99% APR; used auto, which covers refinancing, starts at 5.24%
84-month terms for vehicles up to 10 model years old

What to know

Membership required
No refi-specific APR grid (refinance falls under the used-auto product)
No published mileage cap, loan amount range, or FICO floor

Eligibility

Minimum credit score	Not disclosed
APR range	5.24% – 5.24% (Lowest published used-auto APR (refinance falls under the used-auto product). Golden 1 no longer publishes a loyalty rate discount on its rates page.)
Maximum vehicle age	10 years
Maximum mileage	Not disclosed
Loan amount range	Not disclosed
Term length	Up to 84 months
States served	Not disclosed
Membership requirement	California residents and others eligible via employer, community, or family relationships

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