Are there fees to refinance with HVCU?

No, HVCU states there is no application fee and no handling fee when you refinance.

What is HVCU's starting refinance rate?

For new and used vehicles model year 2024 and newer, the fixed APR is 5.64%.

All lenders

Best for: Northeast residents refinancing a 2024-or-newer vehicle with no application fees

Hudson Valley Credit Union

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

Min credit

Not disclosed

APR

From 5.64%

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 Hudson Valley Credit Union does not publish this on their public site. "No restriction" means Hudson Valley Credit Union explicitly states no limit.

Overview

Hudson Valley Credit Union refinances auto loans from other institutions, stating members can save hundreds or thousands of dollars in interest and lower their monthly payments. As of October 2026, published rates for 2024-and-newer vehicles start at 5.64% fixed APR, with terms up to 7 years and fin…

What’s great

Published starting APR of 5.64% for 2024-or-newer vehicles
No application fee or handling fee to refinance
Terms up to 7 years and financing up to 125% of total loan-to-value

What to know

Full APR ceiling is not published
Membership requires residency in specific Northeast states or a qualifying relationship

Eligibility

Minimum credit score	Not disclosed
APR range	Not disclosed
APR floor (as low as)	From 5.64% — minimum only; full range not published
Maximum vehicle age	Not disclosed
Maximum mileage	Not disclosed
Loan amount range	Not disclosed
Term length	Up to 84 months
States served	Not disclosed
Membership requirement	Open to residents of CT, MA, NJ, NY, PA, or VT via the HVCU Charitable Foundation, immediate family members or employees of current members, or affiliated members of approved associations.

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

[1]Auto Loans, Motorcycle & Car Financing — Hudson Valley Credit Union
https://www.hvcu.org/personal/borrow/vehicle-loans/
Last checked: October 2026
[2]Rates for Loans — Hudson Valley Credit Union
https://www.hvcu.org/personal/borrow/loan-rates/
Last checked: October 2026
[3]Membership — Hudson Valley Credit Union
https://www.hvcu.org/about-us/membership/
Last checked: October 2026