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 your savings.

Key features:

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

Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.

When should you refinance

If you have recently improved your credit score or the rates have changed on auto loans, a refinance might be your option. Our team can review your loan with another lender and evaluate if the switch suits your situation.

Existing Resource One Credit Union auto loans are not eligible for this offer.

Special Offers for You

Save an additional 0.25% APR on your new auto!

If you buy 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.

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. The offer applies to consumer loans only; commercial loans do not qualify. Restrictions may apply; see credit union for details.

Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.

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 with a loan amount of $9,000 and the actual value of the car is $11,000, you would have an LTV (Loan-to-Value) of 82%.

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.

Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.

Our gift to you!

birthday cake with candle

Happy Birthday to you! If you purchase a vehicle around your birthday, we will give you $100. Now doesn’t that sound sweet?

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.

Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.

Low, Competitive Rates

New and Used Auto Loans

loan term apr
36 months or less as low as 5.99% APR
37 - 48 months as low as 6.49% APR
49 - 60 months as low as 6.69% APR
61 - 72 months as low as 6.99% APR
73 - 78 months as low as 7.49% APR
79 - 84 months as low as 7.99% 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 to commercial loans. All loans are subject to approval. Rates as of July 25, 2024. Rates are subject to change without notice.

New & Used Auto Rates As Low As

5.99% APR

Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.

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


Ready to Get Started?