Refinance & Save

The right vehicle financing means affordable payments, a great interest rate, and peace of mind. Align your budget with a refinanced car loan.

Rev Up Your Savings

Looking to cut your car ownership costs? Use our payment calculator below to see how you can save when you refinance an existing auto loan from another lender. Then, apply online to receive a loan decision quickly, often within minutes.

Woman working at desk

Why pay more when you don't have to?

Our loan refinancing process is as easy as 1, 2, 3…

  1. Apply online- Gather the information you’ll need, including monthly income, vehicle information, and the amount of your existing 10-day loan payoff.
  2. Get an answer, fast- Most applicants will receive a quick loan decision, usually the same day and often within minutes. We’ll walk you through the process of paying off your previous loan.
  3. Begin making your new payment- Check your loan documents to confirm your new payment amount and payment start date.

Current Rates

Valid as of 06/3/2023 4:07 AM EDT 
Term Rates As Low As* Monthly Payment Value (Minimum) Loan Amount (Minimum)
1-36 Months 5.74% $30.31/per $1000.00 $3,000.00 $1,000.00
37-48 Months 6.24% $23.60/per $1000.00 $6,000.00 $1,000.00
49-60 Months 6.24% $19.45/per $1000.00 $8,000.00 $1,000.00
61-72 Months 6.24% $16.69/per $1000.00 $12,000.00 $1,000.00
73-84 Months 6.74% $14.97/per $1000.00 $20,000.00 $1,000.00
85-120 Months 8.99% $12.67/per $1000.00 $40,000.00 $40,000.00

*Rates “as low as” 5.74% APR assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. Minimum APR is 5.74%. Maximum APR is 14.99%. Rates reflect a .25% Annual Percentage Rate (APR) reduction for Automatic Payment Service. Your rate will increase if you discontinue Automatic Payment Service. PSECU will finance up to 130% of the retail value of the vehicle for excellent creditworthiness. PSECU will finance up to 100% of the retail value of the vehicle for refinance of an existing PSECU vehicle loan. Value of the vehicle to be determined prior to final loan amount. The Manufacturer's Suggested Retail Price determines new vehicle values; Kelley Blue Book® or other authorized guides determine used vehicle values. Minimum value is $3,000. PSECU makes all final decisions regarding vehicle value. Monthly payment example: 36 monthly payments of $30.31 per $1,000 borrowed at the 5.74% APR or 72 monthly payments of $16.69 per $1,000 borrowed at the 6.24% APR. Monthly payment examples are representative of the maximum term for the corresponding rate per $1,000 borrowed. Your payment may be different from the examples shown. Rates, terms, and information are subject to change at any time. Kelley Blue Book® is a registered trademark of the Kelley Blue Book Co., Inc.