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Best for: California members refinancing a loan from another financial institution

Travis Credit Union

Travis Credit Union — new auto rates from 5.24% to 18.24% APR with terms up to 84 months.

Min credit
Not disclosed
APR
5.24%–18.24%
Max vehicle age
10 yrs
Max mileage
Not disclosed

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

Overview

Travis Credit Union refinances vehicles currently financed with other institutions, and offers a 0.50% rate discount for members with more than 6 months of membership. New auto rates for 2025-and-newer models on terms up to 36 months range from 5.24% to 18.24% APR, and terms extend up to 84 months w…

What’s great

  • Refinances loans from another financial institution
  • Published APR range of 5.24%–18.24% for new autos
  • Terms up to 84 months

What to know

  • Minimum $20,000 loan amount required for 79-84 month terms
  • Vehicles older than 10 years require contacting the credit union directly
  • Membership restricted to specific Northern California counties

Eligibility

Minimum credit scoreNot disclosed
APR range5.24% – 18.24% (for new auto loans, 2025 and newer models, terms up to 36 months)
Maximum vehicle age10 years
Maximum mileageNot disclosed
Loan amount rangeNot disclosed
Term lengthUp to 84 months
States servedNot disclosed
Membership requirementAvailable to those who live, work, attend school, or worship in Alameda, Colusa, Contra Costa, Merced, Napa, Placer, Sacramento, San Joaquin, Solano, Sonoma, Stanislaus, and Yolo counties, military and civilian personnel at Travis Air Force Base, and immediate family members of current members.

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

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Sources

Every figure on this page is sourced from Travis Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Travis Credit Union before applying.

  1. [1]Auto Loan Rates | Current Rates & Offers — Travis Credit Union
    https://www.traviscu.org/rates/auto-loan-rates
    Last checked: October 2026
  2. [2]Auto Loans | Borrow — Travis Credit Union
    https://www.traviscu.org/personal/borrow/auto-loans/
    Last checked: October 2026
  3. [3]Why Travis Credit Union | Mission Values | TravisCU Core Philosophy — Travis Credit Union
    https://www.traviscu.org/about-us/why-travis-credit-union
    Last checked: October 2026