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Auto loan refinance

Stretch your budget further by lowering your car payment

Refinance your auto loan and save more money every month.


Enjoy the financial relief that comes with a lower monthly car payment when you refinance your car with RCU.

As low as  % APR


Low rates

Save more money toward your financial goals with better auto refinancing rates compared to other financial institutions.

Terms up to 84 months1

Choose a loan that works for your budget and lower your monthly payments with flexible terms available, up to 84 months.

RCU Insurance Services2

Don't leave your auto unprotected. Refinance your car loan and insure your vehicle in one place for unmatched convenience.

RCU Insurance Services

Mechanical breakdown protection

Don't let a breakdown impact your budget. With mechanical breakdown protection (MBP), you can protect yourself from mechanical failures at an affordable price.

Estimate your monthly payment

Let's see what your monthly payment could be.

Monthly Payment

Loan Amount
Term Months

How to refinance your car loan

Ready for a lower monthly car payment? Refinance your auto loan in three easy steps.

  • 1

    Apply for a refinance

    Tell us a little bit about yourself and your current car loan.

  • 2

    Get approved

    Find out if you're approved for auto refinancing.

  • 3

    Enjoy your lower monthly payment

    We'll pay off your existing loan, and you can start making payments on your new refinanced loan.

Refinance Your Auto Loan

Why Choose RCU?

At RCU, we’re passionate about helping our Members improve their lives. If you want a credit union that keeps your unique needs in mind and helps you envision and manage your financial future, the friendly experts at RCU are here for you.

America's Best Credit Unions by Newsweek 2024

Named one of America’s Best Credit Unions by Newsweek

America's Best Small Employers by Forbes 2023

Recognized by Forbes as one of America’s Best Small Employers 2023

The Homem family shares why they use RCU Auto Services when buying a car.

Have a question?

At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.

Lower your car payment to maximize your budget

Refinance your auto loan to save more money on a monthly basis for other expenses or financial goals.

  • 1Rates are effective June 15, 2024 and are subject to change without notice. Certain restrictions may apply. New autos are defined as vehicles with less than 1,000 miles and may be financed up to 125% MSRP, depending on credit history. Used autos may be 10 years old or newer and may be financed up to 125% KBB value, for autos 11-15 years old may be financed up 110% KBB value depending on credit history and collateral condition. Payment sample: 60 mo. term per $1,000 borrowed: $19.58 at 6.49% APR.36 month term only applies to purchases, refinanced loans excluded.

    2Insurance products are not deposits of Redwood Credit Union and are not protected by the NCUA. They are not an obligation of or guaranteed by Redwood Credit Union and may be subject to risk. Any insurance required as a condition of an extension of credit by Redwood Credit Union need not be purchased from Redwood Credit Union and may be purchased from an agent or an insurance company of the member’s choice. RCU Insurance Services is a wholly owned subsidiary of Redwood Credit Union. Business conducted with RCU Insurance Services is separate and distinct from any business conducted with Redwood Credit Union. License no. 0D91054. NPN no. 7612227.