Can I refinance an existing auto loan with Meritrust?

Yes, whether you are in the market for a new or used auto or looking to refinance an existing auto loan to save on your monthly payment, you can do so with Meritrust Credit Union.

What is Meritrust's lowest advertised auto APR?

Auto loans are advertised as low as 5.37% APR.

All lenders

Best for: Kansas-area members refinancing an existing auto loan

Meritrust Credit Union

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

Min credit

750

APR

From 5.37%

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

Overview

Meritrust Credit Union offers auto loans, including refinancing an existing auto loan to help lower your monthly payment. Rates are advertised as low as 5.37% APR based on a Kansas borrower with a credit score of 750 or above, and terms range from 48 to 84 months.…

What’s great

Refinancing an existing auto loan is available
APR advertised as low as 5.37%
Terms from 48 to 84 months

What to know

Published rate assumes a credit score of 750 or above
Full APR range and loan amount limits not published
Membership requires an employer, affiliation, or family connection

Eligibility

Minimum credit score	750
APR range	Not disclosed
APR floor (as low as)	From 5.37% — minimum only; full range not published
Maximum vehicle age	Not disclosed
Maximum mileage	Not disclosed
Loan amount range	Not disclosed
Term length	48 – 84 months
States served	Not disclosed
Membership requirement	Available to immediate family members of a current member or those who work for or belong to a qualifying employer or affiliated organization.

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

[1]Auto Loans — Meritrust Credit Union
https://www.meritrust.org/personal/loans/auto-loans/
Last checked: October 2026
[2]Personal Loan Rates — Meritrust Credit Union
https://www.meritrust.org/rates/personal-loan-rates/
Last checked: October 2026
[3]Auto Loans - Great Rates for New & Used Vehicles (Colorado) — Meritrust Credit Union
https://colorado.meritrust.org/auto/
Last checked: October 2026
[4]Become a Member — Meritrust Credit Union
https://www.meritrust.org/membership/ways-to-join/
Last checked: October 2026