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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:

= Low fixed rates
= No application fee
= Discounted protection products
= Flexible options

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.

Special Offers for You

New Vehicle Discount  

Save an additional 0.25% 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 0.25% 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.

Vehicle DiscountSave an additional 0.25% 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 0.25% 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.

Special Birthday OfferOur 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.

Love My Credit Union CarvanaDrive 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 TermAPR
36 months or lessas low as 1.99% APR
37 - 48 monthsas low as 2.19% APR
49 - 60 monthsas low as 2.49% APR
61 - 72 monthsas low as 2.89% APR
72 - 78 monthsas low as 3.39% APR
79 - 84 monthsas low as 3.99% 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 January 22, 2022. Rates are subject to change without notice.

New & Used Auto Rates As Low As

1.99% APR

Meet 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 more

Which 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 more

How 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 more

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Debt Protection with Life Plus

Does your family have a safety net if the unexpected hits?

Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan balance or loan payments against death, disability, or involuntary unemployment could help protect your finances.

Debt Protection with Life Plus adds protection for financially-stressful life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave, and the loss of life of a non-protected dependent. Call Resource One Credit Union at 1-800-375-3674 and ask about protecting your loan payments today.

Your purchase of Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. *Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Debt Protection with Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.

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It’s simple to apply for Debt Protection with Life Plus.
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Resource One Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical braches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 800-375-3674 so that we may promptly assist you and remedy any accessibility concerns.