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Auto Loan Refinance

Get moving with the right financing! Refinance with Resource One and save money.

Get Started!

Simplify the process with R1CU. We provide competitive rates, quick approval, and discounts on your new or used auto loan.

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 Features and Benefits

No matter what type of vehicle – new or used – you’re looking to buy, we make it easy to get the financing you need. With a wide selection of financing options and flexible terms, we can help you keep your monthly payments where you want them.

New and Used Auto Loans

Loan Term APR
24 months or less as low as 2.00% APR
25 - 36 months as low as 2.20% APR
37 - 48 months as low as 2.40% APR
49 - 60 months as low as 2.70% APR
61 - 72 months as low as 3.15% APR
More than 72 months as low as 3.45% 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 subject to approval. Rates as of September 24, 2020. Rates are subject to change without notice.

Low Rates

Competitive rates that will save you money.

Service

Personalized service. We help you every step of the way.

Quick & Easy

Quick and easy process to save you time.

Ready to Get Started?

Apply Online

Use our convenient online application process to get started right away.

Apply By Phone

Questions? Call us any time to speak with a loan officer.

CALL
800-375-3674

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.

GET STARTED

It’s simple to apply for Debt Protection with Life Plus.

Auto Loans
APR=Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Loan being refinanced must be at least 90 days old. Loans currently financed at Resource One do not qualify; must be new collateral to Resource One Credit Union. Payment example: Estimated monthly payment of $19.78 per $1,000 borrowed at 6.95% APR for 60 months. All loans subject to approval. Restrictions may apply; see credit union for details.

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© 2020 Resource One Credit Union. All rights reserved.

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.