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Auto Refinance

Pay less on your existing auto loan.

Apply now

We're committed to your bottom line

Whether you want to pay off your loan sooner with less interest, or lower your monthly payment, we’ll help you find the best rate, term, and payment plan for your regular or green vehicle.

Refinancing a green vehicle?

If you own a hybrid, electric, alternative fuel, or high-efficiency vehicle, save money with our Green Vehicle Loan. Designed to cover any green make and model, our Green Vehicle Loan offers even lower rates and extended terms. This loan is available for:

  • Vehicles with a combined city/highway MPG higher than 35 as defined on FuelEconomy.gov.
  • Vehicles that run on alternative fuels like fuel cells, ethanol, natural gas, propane, and hydrogen.
  • Electric motorcycles.
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Relationship pricing

As a cooperative, we are committed to deepening our connections. To encourage stronger relationships with members, we offer relationship pricing discounts of .25% off the regular APR1 of your auto loan. All you have to do to qualify is meet two of the following requirements for the three months prior to taking out the loan:

  • Make an average of ten debit card transactions to your checking account per month.
  • Maintain a history of recurring direct deposits (at least one per month) in one of your VSECU accounts.
  • Be enrolled in eStatements.
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Current rates

New, Used, or Refinanced Vehicle Loans 1

Term

APR as low as

APR = annual percentage rate, effective as of 11/14/2022 and reflects the current minimum APR offered with the relationship pricing discount.

Term

24 months

APR as low as

4.25%

Term

36 months

APR as low as

4.70%

Term

48 months

APR as low as

4.90%

Term

60 months

APR as low as

5.20%

Term

72 months

APR as low as

5.65%

Term

84 months

APR as low as

6.20%

Refinancing an existing VSECU auto loan requires a minimum advance of $2,000.

Green Vehicle Loan 1

Term

APR as low as

APR = annual percentage rate, effective as of 11/14/2022 and reflects the current minimum APR offered with the relationship pricing discount. APR reduced by an additional 0.50% for all-electric vehicles.

Term

24 months

APR as low as

3.75%

Term

36 months

APR as low as

4.20%

Term

48 months

APR as low as

4.40%

Term

60 months

APR as low as

4.70%

Term

72 months

APR as low as

5.15%

Term

84 months

APR as low as

5.70%

Term

96 months

APR as low as

6.20%

Refinancing an existing VSECU auto loan requires a minimum advance of $2,000.

Estimate your monthly savings

Enter the details from your original loan, the amount you wish to refinance, and new desired term to estimate your monthly payment and interest rate.

Calculated payments shown are for estimation purposes only. Actual loan payment amount and interest rate will be disclosed at loan closing and may differ slightly.

Added protection for peace of mind

In addition to the protection options below, all VSECU members have access to free Accidental Death & Dismemberment insurance to help give your loved ones a safety net in the event of your accidental death. Learn more and see all VSECU insurance options

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    Guaranteed Asset Protection (GAP)

    If your vehicle is stolen or totaled in an accident, you can use GAP insurance to bridge that “gap” between the vehicle’s value and the amount you still owe on the loan. GAP Advantage not only pays the difference between the vehicle’s value and the balance of the loan owed, but will also cover the deductible and $1,000 towards the purchase of a new car if you finance with VSECU.

    Get a quote for GAP insurance

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    Mechanical Breakdown Protection (MBP)

    This complete line of coverage is designed to keep your vehicle on the road. No matter where you travel in the United States, MBP can protect you against major mechanical expenses, and there is no deductible on covered parts or labor. This plan includes a rental car allowance and 24/7 emergency roadside service.

    Get a quote for MBP insurance

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    Debt Protection

    Paying off debt is easy enough when things are going well. But what happens when things go wrong? If you pass away, become disabled, or lose your job, who will pay your debt? Debt protection can safeguard your payment history and assets by canceling your balances or debt payments, up to the contract maximums.

    Learn more about your debt protection options.

Apply to refinance your auto loan

If you are already a member and want to apply to refinance your auto loan, it’s easier to open an account once you’ve logged into online or mobile banking. That way we can save you time by pre-filling the application with your information.

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Disclosures

1
– Other rates and terms may be available. APR = annual percentage yield may be adjusted based on your individual credit standing and term. APR is based on a .25% relationship pricing discount that requires meeting two of the following requirements for 3 months prior to taking out the loan: an average of ten (10) monthly debit card transactions, direct deposit into one of your VSECU accounts and enrollment in eStatements. Payment example: $25,000 loan for 60 months at 3.45% APR will have a monthly payment of $454.00.