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Auto Refinance
Things change, so take advantage when they do for your auto loan. Refinancing your vehicle to Resource One Credit Union is a great way to evaluate all of your options. When you refinance your auto loan, you can change the term, receive a lower interest rate than you currently have, change your monthly payment, and save money! Speak with a Loan Officer today and discuss your options.
Reset Your Loan with a Refinance
If you didn’t finance your auto loan with Resource One, there is a good chance you’re paying too much. Our members receive the most competitive rates and discounts on protection products saving you even more with your investment. Your financial condition changes, and so does the market. Let’s evaluate your auto loan to find you savings.
Key features:
Meet a Loan Officer by Video Chat or Call 800-375-3674
When you should refinance
If you have recently improved your credit score or if the rates have changed on auto loans, a refinance might be the option for you. Our team can look over your current loan with another lender and evaluate if the switch is the right choice for your situation.
Existing Resource One Credit Union auto loans are not eligible for this offer.
Reset With a Refi
90 Days of No Payments & $150 Cash Back
Make no payments for the first 90 days and receive $150 cash back when you refinance your auto loan from another lender!
Paying off your existing car loan and refinancing into a new one with Resource One Credit Union could help you save money – up to $9621. Refinancing your vehicle loan provides an opportunity to reset your rate, term, and monthly payments. If you’re still using dealer financing, rates have likely dropped since you got your existing loan. So, if you’ve been keeping up with your payments, now could be a great time to check your rate and save.
Auto loans with Resource One are up to 37% lower.1
Meet a Loan Officer by Video Chat or Call 800-375-3674
Key features:
APR=Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans are subject to approval. Offer applies to consumer loans only; commercial loans do not qualify. Interest accrues during the no-payment period. Estimated monthly payment of $19.89 per $1,000 borrowed at 7.19% APR for 60 months. Restrictions may apply; see credit union for details.
1 Based upon an analysis of 2,036 banking locations in Dallas-Fort Worth-Arlington Metro as of 1/11/2022, Resource One Credit Union’s new car loan over 60 months outperformed the Dallas Metro average by 37%. $962 is the difference between the amount paid in interest between Resource One Credit Union’s rate at 2.49% APR compared to 3.93% APR for the Dallas-Fort Worth-Arlington Metro market average over the life of a $25,000 auto loan over 60 months. APR = Annual Percentage Rate. $25k loan, 100% financing, A credit score. All rates and terms herein are subject to change without notice and may be subject to credit approval.
Special Offers for You
Save an additional 0.50% APR on your new auto!
If you are buying a new vehicle with less than 5,000 miles or has never been titled you could qualify for an additional 0.50% APR discount on your qualified rate.Meet a Loan Officer by Video Chat or Call 800-375-3674
APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Offer applies to consumer loans only; commercial loans do not qualify. Restrictions may apply; see credit union for details.
Save an additional 0.50% APR with the value of your auto!
Is your vehicle worth more than you need for your vehicle loan? If so, you could receive an additional 0.50% APR discount on your qualified rate when you finance that vehicle with Resource One.
How It Works
Loan-to-Value = Vehicle Loan Amount / Appraised Vehicle Value
So if you have a vehicle that has a loan amount of $9,000 and the actual value of the vehicle is $11,000 you would have an LTV (Loan-to-Value) of 82%.
Meet a Loan Officer by Video Chat or Call 800-375-3674
APR=Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans are subject to approval. Loan-to-Value (LTV) must be less than 90% to qualify for the offer. Offer applies to consumer loans only; commercial loans do not qualify. Restrictions may apply; see credit union for details.
Our gift to you!
Happy Birthday to you! If you purchase a vehicle around your birthday we will give you $100. Now doesn't that sound sweet?
Meet a Loan Officer by Video Chat or Call 800-375-3674
APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Offer applies to consumer loans only; commercial loans do not qualify. Restrictions may apply; see credit union for details.
Drive Off with $100 Cash!
Get $100 cash reward from Love My Credit Union Rewards when you buy a vehicle from Carvana.
- Browse certified inventory: low mileage, no reported accidents, 150-point inspection.
- Shop from home: buy online with delivery or pickup available as soon as the next day.
- Get more for less: save valuable time and money by shopping online.
- Buy with confidence: 7-day money-back guarantee, 100-day warranty.
- Finance with ease: easily finance a Carvana purchase with a loan from Resource One Credit Union.
Meet a Loan Officer by Video Chat or Call 800-375-3674
* Valid only for Carvana purchases through LoveMyCreditUnion.org. See Terms and Conditions. Restrictions may apply; see credit union for details.
Low Rates that are Competitive
New and Used Auto Loans
| Loan Term | APR |
| 36 months or less | as low as 2.49% APR |
| 37 - 48 months | as low as 2.69% APR |
| 49 - 60 months | as low as 2.99% APR |
| 61 - 72 months | as low as 3.39% APR |
| 73 - 78 months | as low as 3.89% APR |
| 79 - 84 months | as low as 4.49% APR |
APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply for commercial loans. All loans are subject to approval. Rates as of July 07, 2022. Rates are subject to change without notice.
New & Used Auto Rates As Low As
2.49% APRMeet a Loan Officer by Video Chat or
Call 800-375-3674
Why auto refinancing might be right for you
Lower interest rate
Now might be the right time if your credit score has improved, interest rates dropped or you didn’t receive the best initial rate.
Shorter loan term
By refinancing your loan you can not only lower your rate but can usually lower your loan term as well.
Lower monthly car payments
You may be able to reduce your monthly loan payments by lowering your APR or by choosing to extend your existing terms.
Auto Loan Insights & Advice
Can I Refinance My Car with the Same Lender?
There are many different reasons why you might choose to refinance your auto loan. Refinancing can help you get a lower interest rate on your car loan, give you more manageable monthly payments, and even change the timeline on your loan. At Resource One Credit Union,...
read moreWhich Resource One Auto Loan is Right For You?
The opportunity to buy a car is an exciting experience, no matter when it appears. Searching for a set of wheels is your chance to find a vehicle that lets you feel safe and comfortable while you get where you need to go. Unfortunately, there is still the "budget"...
read moreHow You Can Do Better Than 0%
When it comes to auto loans, a 0% interest rate is a head turner. But it's not always the best deal. Car dealerships generally advertise 0% offers in the summer when they're looking to make room in the showroom for newer models. The offers come from the financing arms...
read moreReady to Get Started?
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Questions? Call us anytime to speak with a specialist.1-800-375-3674
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