UW Credit Union
UW Credit Union — rates from 5.47% APR with a 90-day no-payment, no-interest refinance option.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means UW Credit Union does not publish this on their public site. "No restriction" means UW Credit Union explicitly states no limit.
Overview
UW Credit Union refinances existing vehicle loans from other lenders, replacing them with a new loan that can carry a lower rate or different term. As of October 2026, published rates start as low as 5.47% APR on new and used vehicle refinances.…
What’s great
- Rates published as low as 5.47% APR
- 90-day no-payment, no-interest refinance promotion available
- Membership open to a wide range of Wisconsin residents and UW affiliates
What to know
- Full APR range is not published
- Minimum loan amount of $7,500 applies for the no-payment promotion
Eligibility
| Minimum credit score | Not disclosed |
| APR range | Not disclosed |
| APR floor (as low as) | From 5.47% — minimum only; full range not published |
| Maximum vehicle age | Not disclosed |
| Maximum mileage | Not disclosed |
| Loan amount range | $7,500 minimum |
| Term length | Not disclosed |
| States served | Not disclosed |
| Membership requirement | Open to Wisconsin residents who have attended higher education, those who live, work, or attend school within 5 miles of a branch, UW-affiliated employees, students, or alumni, and immediate family members of eligible members. |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from UW Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with UW Credit Union before applying.
- [1]Refinance New or Used Auto Loans Wisconsin — UW Credit Unionhttps://www.uwcu.org/vehicle-loans/auto-loan-refinanceLast checked: October 2026
- [2]Membership Eligibility — UW Credit Unionhttps://www.uwcu.org/membershipLast checked: October 2026