Refinance Your Auto Loan

The best auto loan is one that fits your budget

Features & Benefits

Rates as low as 

3.22%

APR1

For Vehicle Purchases
Terms up to 84 Months
Instant Preapproval
For Qualified Borrowers
Cash-out Solutions
For Qualified Borrowers

Refinancing your auto loan could help you save money, pay off your loan faster, or tap into the equity you've built in your vehicle.

 

From Another Bank or Credit Union

When you refinance your loan from another bank or credit union, we'll issue a pay-off check to your current lender. Then, we'll open a new loan with us for the agreed amount, rate, and term. Refinancing is quick and easy, with little paperwork for you!

  • Lower Your Rate by up to 1.00%: Ask how we can lower your current rate by up to 1.00% when you refinance your auto loan from another financial institution. Terms & conditions apply.2
  • Cash-out Refinancing: Borrow from the equity you've built in your vehicle - a great alternative to traditional title loans, personal loans, and credit cards. Speak with a representative to learn more.


An Existing Prime Financial CU Auto Loan

To refinance an auto loan you currently have with Prime Financial CU, you must add at least $5,000 to your loan balance; this is similar to a cash-out option you might be offered when refinancing a home loan. Cash-out refinancing with your vehicle can be a more affordable alternative to a traditional title loan, personal loan, or credit card. Terms & conditions apply, add 0.20% to rates listed below for all existing loan refinancing - speak with a representative to learn more.

Term Months APR1 As Low As3 Payment Per $1,0004
Up to  24 3.22% $43.08
25 - 36 3.22% $29.18
37 - 48 3.40% $22.31
49 - 60 3.55% $18.21
61 - 72 3.75% $15.53
73 - 84

 

4.56% $13.93
Effective Date: August 17, 2022
Membership eligibility is required.
1: APR=Annual Percentage Rate. Rate(s) effective as of date indicated by table. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
3: If over 10,000 miles, add .20.
4: Payment per $1,000 based on maximum term allowed for each stated rate.

Term Months APR1 As Low As Payment Per $1,0004
Up to  24 3.29% $43.11
25 - 36 3.29% $29.21
37 - 48 3.53% $22.37
49 - 60 3.73% $18.29
61 - 72 4.10% $15.69
73 - 84 4.56% $13.93
Effective Date: August 17, 2022
Membership eligibility is required.
1: APR=Annual Percentage Rate. Rate(s) effective as of date indicated by table. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
4: Payment per $1,000 based on maximum term allowed for each stated rate.

Term Months APR1 As Low As Payment Per $1,0004
Up to  24 3.34% $43.13
25 - 36 3.34% $29.23
37 - 48 3.59% $22.40
49 - 60 3.85% $18.35
61 - 72 4.36% $15.81
73 - 84 4.56% $13.93
Effective Date: August 17, 2022
Membership eligibility is required.
1: APR=Annual Percentage Rate. Rate(s) effective as of date indicated by table. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
4: Payment per $1,000 based on maximum term allowed for each stated rate.

Term Months APR1 As Low As Payment Per $1,0004
Up to  24 3.37% $43.15
25 - 36 3.37% $29.24
37 - 48 3.60% $22.40
49 - 60 3.86% $18.35
61 - 72 4.74% $15.98
Effective Date: August 17, 2022
Membership eligibility is required.
1: APR=Annual Percentage Rate. Rate(s) effective as of date indicated by table. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
4: Payment per $1,000 based on maximum term allowed for each stated rate.

Term Months APR1 As Low As Payment Per $1,0004
Up to  24 3.58% $43.24
25 - 36 3.58% $29.34
37 - 48 3.87% $22.52
49 - 60 4.01% $18.42
Effective Date: August 17, 2022
Membership eligibility is required.
1: APR=Annual Percentage Rate. Rate(s) effective as of date indicated by table. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
4: Payment per $1,000 based on maximum term allowed for each stated rate.

Term Months APR1 As Low As Payment Per $1,0004
Up to  24 5.10% $43.92
25 - 36 5.10% $30.02
37 - 48 5.30% $23.17
Effective Date: August 17, 2022
Membership eligibility is required.
1: APR=Annual Percentage Rate. Rate(s) effective as of date indicated by table. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
4: Payment per $1,000 based on maximum term allowed for each stated rate.

Term Months APR1 As Low As Payment Per $1,0004
Up to  24 5.50% $44.41
25 - 36 5.50% $30.20
Effective Date: August 17, 2022
Membership eligibility is required.
1: APR=Annual Percentage Rate. Rate(s) effective as of date indicated by table. Rate(s) above reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union auto loan, and borrower must add $5,000 to loan balance.
4: Payment per $1,000 based on maximum term allowed for each stated rate.

Apply for an Auto Loan Today!

Member Story

"Prime succeeds where most banks fail with their great member service, minimal fees, excellent loan rates and their loan processing team."

Membership eligibility is required.
1: APR=Annual Percentage Rate. Rate(s) above effective August 17, 2022 and reflect maximum 0.20% autopay discount. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union loan, and borrower must add $5,000 to loan balance.
2: Discounted rate cannot exceed the minimum base rate established by Prime Financial Credit Union and is applicable to new loans only; this special cannot be combined with other discounts or promotional offers. Rates are subject to change based upon borrower's credit history. Offer may be discontinued at any time and without prior notice. Additional restrictions may apply. Speak with a representative to learn more.