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Best for: Military families and members of consumer associations

Service Credit Union

Service Credit Union — Competitive refinancing with specialized military support.

Min credit
Not disclosed
APR
From 3.99%
Max vehicle age
Not disclosed
Max mileage
Not disclosed

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

Overview

Service Credit Union offers refinancing for auto loans held at other financial institutions. You may be eligible for a 90-day payment deferral to help manage your initial cash flow. The credit union provides specialized benefits for military personnel and their families, though membership is also op…

What’s great

  • No prepayment penalties
  • 90-day payment deferral available
  • Fast funding often within 24 hours

What to know

  • Rate discounts require a Direct Deposit+ account
  • Refinancing is limited to loans from external lenders

Eligibility

Minimum credit scoreNot disclosed
APR rangeNot disclosed
APR floor (as low as)From 3.99% — minimum only; full range not published
Maximum vehicle ageNot disclosed
Maximum mileageNot disclosed
Loan amount rangeNot disclosed
Term length36 – 84 months
States servedNot disclosed
Membership requirementOpen to military, DoD employees, or by joining the American Consumer Council or Financial Fitness Association.

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

  1. [1]Auto Refinance Loans | Service Credit Union — October 2026 rates — Service Credit Union
    https://servicecu.org/vehicle-loans/auto-refinance/
    Last checked: October 2026
  2. [2]Am I eligible to join Service Credit Union? — Service Credit Union
    https://servicecu.org/about-us/become-a-member/am-i-eligible-to-join-service-credit-union/
    Last checked: October 2026
  3. [3]What to Expect When Applying for an Auto Loan — Service Credit Union
    https://servicecu.org/resources/blog/detail/credit-and-lending/what-to-expect-when-applying-for-an-auto-loan/
    Last checked: October 2026