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Best for: Michigan residents refinancing an auto loan with terms up to 84 months

MSUFCU

MSUFCU — auto refinance rates starting at 5.74% APR with terms up to 84 months.

Min credit
Not disclosed
APR
From 5.74%
Max vehicle age
Not disclosed
Max mileage
Not disclosed

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"Not disclosed" means MSUFCU does not publish this on their public site. "No restriction" means MSUFCU explicitly states no limit.

Overview

MSUFCU explicitly offers refinancing and cash-out refinancing for existing auto loans. As of October 2026, rates for new, used, refinance, and cash-out refinance auto loans start at 5.74% APR for terms up to 36 months, rising to 6.54% APR for terms between 37 and 84 months.…

What’s great

  • Dedicated Auto Refinance and Cash Out Refinance Auto Loan product
  • Published starting rate of 5.74% APR for terms up to 36 months
  • Terms available up to 84 months
  • Membership open statewide in Michigan, not just to MSU affiliates

What to know

  • Only an 'as low as' starting rate is published, with no disclosed maximum APR
  • Rate rises to 6.54% APR for any term longer than 36 months

Eligibility

Minimum credit scoreNot disclosed
APR rangeNot disclosed
APR floor (as low as)From 5.74% — minimum only; full range not published
Maximum vehicle ageNot disclosed
Maximum mileageNot disclosed
Loan amount rangeNot disclosed
Term lengthUp to 84 months
States servedNot disclosed
Membership requirementOpen to MSU faculty, staff, students, alumni, and donors, select employee groups, State of Michigan employees, and anyone who lives, works, worships, goes to school, or owns a business in Michigan.

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

  1. [1]Current Rates — MSU Federal Credit Union
    https://www.msufcu.org/rates/
    Last checked: October 2026
  2. [2]Vehicle Loans — MSU Federal Credit Union
    https://www.msufcu.org/vehicleloans
    Last checked: October 2026
  3. [3]Who Can Join — MSU Federal Credit Union
    https://www.msufcu.org/whocanjoin/
    Last checked: October 2026