What APR does Grow Financial publish for refinancing?

Fixed rates for new cars, trucks and vans range from 5.05% to 18.0% APR, with your exact rate based on credit history, collateral, term and loan-to-value.

How do I become a member?

You open a Basic Savings Account for a $1 deposit, which unlocks membership and access to loans and other accounts.

All lenders

Best for: Members wanting a low published starting APR on a refinance

Grow Financial Federal Credit Union

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

Min credit

Not disclosed

APR

5.05%–18.00%

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 Grow Financial Federal Credit Union does not publish this on their public site. "No restriction" means Grow Financial Federal Credit Union explicitly states no limit.

Overview

Grow Financial Federal Credit Union refinances auto loans currently held with other lenders, replacing the terms of your existing loan to help lower your monthly payment or save on interest.…

What’s great

Published starting APR of 5.05% for new vehicles
Rate lock for 30 days upon approval
Low-cost membership entry with a $1 deposit

What to know

Upper end of published APR range reaches 18.0%
Maximum vehicle age, mileage, and loan term are not published

Eligibility

Minimum credit score	Not disclosed
APR range	5.05% – 18.00% (Fixed rates for new cars, trucks and vans; rate depends on credit history, collateral, term and loan to value.)
Maximum vehicle age	Not disclosed
Maximum mileage	Not disclosed
Loan amount range	Not disclosed
Term length	Not disclosed
States served	Not disclosed
Membership requirement	To join, everyone opens a Basic Savings Account for a $1 deposit.

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 Grow Financial Federal Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Grow Financial Federal Credit Union before applying.

[1]Refinancing Your Car — Grow Financial Federal Credit Union
https://www.growfinancial.org/home-and-auto/refinancing-your-car/
Last checked: October 2026
[2]Auto Loans — Grow Financial Federal Credit Union
https://www.growfinancial.org/home-and-auto/auto-loans/
Last checked: October 2026
[3]Membership — Grow Financial Federal Credit Union
https://www.growfinancial.org/membership/membership-perks-eligibility/
Last checked: October 2026