Skip to content
  • Refer a Friend
  • Find an ATM
  • Resources
  • Support
PSECU Logo
  • Explore Our Rates

    See today's checking, savings, certificate and individual retirement account (IRA) interest rates

    Have questions? Browse our FAQs
    • Account Types:
      • Checking Accounts
      • Savings Accounts
      • Certificates
      • Individual Retirement Accounts (IRAs)
    • Banking Services:
      • For Students
      • For Youth & Parents
      • For Businesses
    • Quick Links:
      • Calculators
        Estimate payments, set savings goals and more
      • Overdraft Services
        Check out PSECU's approach to overdraft services and fees
      • Understanding Money Market Accounts
        Learn how you can increase your savings with greater dividends
  • Explore Our Rates

    See today’s credit card rates

    Have questions? Browse our FAQs
    • Card Types:
      • Classic Card
      • Founder's Rewards Card
      • Penn State Alumni Cards
      • Secured Visa® Card
      • Business Credit Cards
    • Card Services:
      • Balance Transfers
      • Card Comparison Guide
    • Quick Links:
      • Calculators
        Estimate payments, set savings goals and more
      • Benefits of Using Your Credit Card
        Discover how responsible use can offer distinct advantages
      • Is a Balance Transfer Right for Me?
        Find out how consolidating can simplify your finances
  • Explore Our Rates

    See today’s auto loan, home equity product, mortgage, and personal loan rates

    Have questions? Browse our FAQs
    • Home & Auto:
      • Mortgages
      • Home Equity
      • Auto Loans
    • Personal & Business:
      • Personal Loans
      • Student Loans
      • Business Loans
    • Quick Links:
      • Calculators
        Estimate payments, set savings goals and more
      • Paying Your Loan
        See your loan payment options
      • Debt Consolidation
        Save money, simplify your budget and reduce stress
  • Become a Member

    Explore PSECU member benefits and learn about eligibility

    Have questions? Browse our FAQs
    • What We Offer:
      • Investing
      • Insurance
      • Auto Warranty
    • Quick Links:
      • Set Up a Free IRA in Pennsylvania
        Checkout out this six-step guide to start reaping tax benefits
      • Missing Out on Insurance Savings?
        Get tips on how to spot savings in your insurance coverage
  • Become a Member

    Explore PSECU member benefits and learn about eligibility

    Have questions? Browse our FAQs
    • Is PSECU Right for You?:
      • What's Digital-First Banking?
      • How We Serve Our Members
      • All Member Services
    • Quick Links:
      • Level Up Your Banking
        Earn up to $300 when you join PSECU and meet promo requirements
      • New Member Support
        Get the guidance you need to take control of your account
      • The PSECU Scholarship
        Find out how to apply, and meet the latest scholarship winners
Login
PSECU Logo
Login
  • Checking & Savings
      • Checking Accounts
      • Savings Accounts
      • Certificates
      • Individual Retirement Accounts (IRAs)
      • For Students
      • For Youth & Parents
      • For Businesses
      • Calculators
        Estimate payments, set savings goals and more
      • Overdraft Services
        Check out PSECU's approach to overdraft services and fees
      • Understanding Money Market Accounts
        Learn how you can increase your savings with greater dividends
    Explore Our Rates

    See today's checking, savings, certificate and individual retirement account (IRA) interest rates

    Have questions? Browse our FAQs
  • Credit Cards
      • Classic Card
      • Founder's Rewards Card
      • Penn State Alumni Cards
      • Secured Visa® Card
      • Business Credit Cards
      • Balance Transfers
      • Card Comparison Guide
      • Calculators
        Estimate payments, set savings goals and more
      • Benefits of Using Your Credit Card
        Discover how responsible use can offer distinct advantages
      • Is a Balance Transfer Right for Me?
        Find out how consolidating can simplify your finances
    Explore Our Rates

    See today’s credit card rates

    Have questions? Browse our FAQs
  • Loans
      • Mortgages
      • Home Equity
      • Auto Loans
      • Personal Loans
      • Student Loans
      • Business Loans
      • Calculators
        Estimate payments, set savings goals and more
      • Paying Your Loan
        See your loan payment options
      • Debt Consolidation
        Save money, simplify your budget and reduce stress
    Explore Our Rates

    See today’s auto loan, home equity product, mortgage, and personal loan rates

    Have questions? Browse our FAQs
  • Investing & Insurance
      • Investing
      • Insurance
      • Auto Warranty
      • Set Up a Free IRA in Pennsylvania
        Checkout out this six-step guide to start reaping tax benefits
      • Missing Out on Insurance Savings?
        Get tips on how to spot savings in your insurance coverage
    Become a Member

    Explore PSECU member benefits and learn about eligibility

    Have questions? Browse our FAQs
  • Become a Member
      • What's Digital-First Banking?
      • How We Serve Our Members
      • All Member Services
      • Level Up Your Banking
        Earn up to $300 when you join PSECU and meet promo requirements
      • New Member Support
        Get the guidance you need to take control of your account
      • The PSECU Scholarship
        Find out how to apply, and meet the latest scholarship winners
    Become a Member

    Explore PSECU member benefits and learn about eligibility

    Have questions? Browse our FAQs
  • Refer a Friend
  • Find an ATM
  • Resources
  • Support
Important notice:
Important: You are now leaving PSECU.com

By selecting continue, you will be leaving PSECU’s website. Other websites may offer different privacy policies and levels of security than what is offered by PSECU. PSECU is not responsible for and does not endorse, guarantee, or monitor content, availability, viewpoints, products, or services that are offered or expressed on other websites.

You may close this window if you choose not to continue to .

Continue
  1. Home
  2. Auto Loans
  3. Refinance

Refinance & Save

Align Your Budget with a Refinanced Auto Loan

When you refinance your auto loan with us, you get more than just competitive rates. You gain access to flexible monthly payment options, digital banking tools that make it easy to manage your loan, excellent member service, and more.

Apply Today Resume Application or Check Status
Already a Member?
Yes No
Important notice: Lorem sit ipsum dolor sit amet, amet et consectetur adipiscing elit. Vestibulum sagittis.
Primary Button Text Here Button Text Goes Here
Important notice: Lorem sit ipsum dolor sit amet, amet et consectetur adipiscing elit. Vestibulum sagittis.
Primary Button Text Here Button Text Goes Here

Love Your Car, but Not Your Loan?

Refinancing your auto loan lets you keep the car you love and ditch the loan you don’t. With our vehicle refinancing options, you can:

Roll over a loan from another lender.
Frustrated with the financial institution you originally got your loan from? Or having sticker shock over your monthly payments after the intro rate on your dealer financing expired? Use one of our auto loans to pay off your existing loan. This will roll your auto loan over to us, allowing you to lock in one of our competitive rates and make your payments to PSECU instead of the lender you’d like to leave.
Get cash out from an existing PSECU auto loan.
You can refinance an auto loan you currently have with us and borrow up to 100% of the retail value of your vehicle (the vehicle’s minimum value must be at least $3,000). This allows you to keep your loan with us while getting access to cash. Please note that there is a $1,000 minimum cash out required to refinance.
Auto Loans for Every Terrain

Flexible terms + $300 cash bonus when you meet promo requirements

Learn More
New!

Stress-Free Refinancing

When you refinance with us, you can feel:

Cool. Our competitive rates and flexible terms allow you to choose a monthly payment that fits your budget.

 


Calm. Our quick lending decisions can quiet your financing concerns.

 

Confident. You’ll feel good knowing you’re doing business with one of PA’s Top Auto Lenders*.

 


Apply Now Resume Application or Check Status
Already a Member?
Yes No
Important notice: Lorem sit ipsum dolor sit amet, amet et consectetur adipiscing elit. Vestibulum sagittis.
Primary Button Text Here Button Text Goes Here
Important notice: Lorem sit ipsum dolor sit amet, amet et consectetur adipiscing elit. Vestibulum sagittis.
Primary Button Text Here Button Text Goes Here

Ready to Refinance?

Why pay more when you don’t have to? Follow these steps to refinance.

 

  • You’ll need your monthly income, vehicle information, and the amount of your existing 10-day loan payoff.
  • Most applicants will receive a quick loan decision, usually the same day and often within minutes.
  • Log into digital banking to see your loan and payment amounts, as well as the due date. Paying with funds at another financial institution? Set up an external account transfer. Don’t have digital banking? Signing up is easy!

Apply Now Resume Application or Check Status
Already a Member?
Yes No
Important notice: Lorem sit ipsum dolor sit amet, amet et consectetur adipiscing elit. Vestibulum sagittis.
Primary Button Text Here Button Text Goes Here
Important notice: Lorem sit ipsum dolor sit amet, amet et consectetur adipiscing elit. Vestibulum sagittis.
Primary Button Text Here Button Text Goes Here
*Based on June 2023 Auto Lender Summary from Experian.

Current Rates

Valid as of XX/XX/XXXX

Term Rates As Low As* Monthly Payment Value (Minimum) Loan Amount (Minimum)
1-36 Months 6.64% $30.72 / per
$1000.00
$3,000.00 $1,000.00
37-48 Months 7.14% $24.02 / per
$1000.00
$6,000.00 $1,000.00
49-60 Months 7.14% $19.87 / per
$1000.00
$8,000.00 $1,000.00
61-72 Months 7.14% $17.12 / per
$1000.00
$12,000.00 $1,000.00
73-84 Months 7.64% $15.41 / per
$1000.00
$20,000.00 $1,000.00
85-120 Months 9.64% $13.02 / per
$1000.00
$40,000.00 $40,000.00

*Rates “as low as” 6.64% 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 6.64%. Maximum APR is 13.89%. If you change your payment method to coupon at any time, your interest rate will increase by .25% Annual Percentage Rate (APR). 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 $30.72 per $1,000 borrowed at the 6.64% APR or 72 monthly payments of $17.12 per $1,000 borrowed at the 7.14% 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.

Back to Auto Loans
Explore More:
  • Auto Warranty
  • Buy Out Lease
  • New & Used Car Loans
  • Business Vehicles
  • Recreational Vehicles
Achieve More with PSECU
More gimmes + less gotchas = modern digital banking. Become a member today, and let your money live in the 21st century.
  • Auto Warranty
  • Buy Out Lease
  • New & Used Car Loans
  • Business Vehicles
  • Recreational Vehicles

Have Questions? We're Here to Help

Need to talk to us directly? Call (800) 237-7328 or send an inquiry.

Resource Center

Personal finance resources from PSECU are free financial literacy resources for adults. Explore our free financial education resources on money management. Knowledge is power!

What Is Digital-First Banking?

Digital banking means accessing banking products and services via a bank or credit union's website or mobile app. However, digital-first banking with PSECU means so much more.

Support Center

The PSECU customer support center is a helpful source of information for everything from the PSECU routing number to ordering checks, checkbook covers, and check registers.
PSECU-Website-Auto-Loans-Refinance-Primary-CTA

Achieve More with PSECU

More gimmes + less gotchas = modern digital banking. Become a member today, and let your money live in the 21st century.

Become a Member
Need to talk to us directly?
800.237.7328
Routing #: 231381116
  • Facebook
  • LinkedIn
  • Twitter
  • Instagram
  • Pinterest
  • YouTube
Best Credit Union 2023
Best Credit Union 2023 - Forbes
Newsweek America's Best Banks 2023
  • Get to Know Us:
    • What's Digital-First Banking?
    • How We Serve Our Members
    • PSECU for Employers
    • Careers We're Hiring!
    • Resource Center
  • Quick Links:
    • Rates
    • Calculators
    • Downloadable Forms
    • Become a Member
    • Refer a Friend
  • Contact & Support:
    • Support
    • Browse FAQs
    • Resume an Application
    • Find an ATM
    • Contact Us
  • Download the App:
    • App Store
    • Play Store
  • Sitemap
  • Disclosures & Agreements
  • Security
  • Privacy
  • © 2023 PSECU. All Rights Reserved.
  • NCUA Insured by NCUA
  • Equal Housing Lender Equal Housing Lender