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.

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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 10/28/2021 10:30 AM EDT 
Term APR* Monthly Payment Value (Minimum) Loan Amount (Minimum)
1-36 Months 2.49% $28.86/per $1000.00 $3,000.00 $1,000.00
37-48 Months 2.99% $22.13/per $1000.00 $6,000.00 $1,000.00
49-60 Months 2.99% $17.97/per $1000.00 $8,000.00 $1,000.00
61-72 Months 2.99% $15.19/per $1000.00 $12,000.00 $1,000.00
73-84 Months 3.24% $13.33/per $1000.00 $20,000.00 $1,000.00
85-120 Months 7.74% $12.01/per $1000.00 $40,000.00 $40,000.00

*APR denotes Annual Percentage Rate

Rates reflect a .25% Annual Percentage Rate (APR) reduction for Automatic Payment Service and loan amounts up to 100% of the retail value of the vehicle. Your rate will increase if you discontinue Automatic Payment Service. PSECU will charge an additional 2% to the current interest rate when financing a vehicle for more than 100% and up to 120% of the retail value, and an additional 3% to the current interest rate when financing a vehicle for more than 120% and up to 130% of the retail value. PSECU will only finance up to 100% of the retail value of the vehicle for refinance of an existing PSECU vehicle loan. Monthly payment example: 36 monthly payments of $28.86 per $1,000 borrowed at the 2.49% APR or 60 monthly payments of $17.97 per $1,000 borrowed at the 2.99% APR. 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. 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. PSECU makes all final decisions regarding vehicle value and proper rate. Rates, terms, and information are subject to change. Kelley Blue Book® is a registered trademark of the Kelley Blue Book Co., Inc.