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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 TermAPR
24 months or lessas low as 2.00% APR
25 - 36 monthsas low as 2.20% APR
37 - 48 monthsas low as 2.40% APR
49 - 60 monthsas low as 2.70% APR
61 - 72 monthsas low as 3.15% APR
More than 72 monthsas 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 April 10, 2020. Rates are subject to change without notice.

Low Rates

Competitive rates that will save you money.


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.


Apply in Person

Visit any of our convenient locations to start the process to your new loan.

Auto Loans
APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. Offer applies to consumer loans and does not qualify commercial or loans. Qualifying auto loans booked during August 28 – September 2, 2017 are eligible for the 0.75% rate discount offer. All loans subject to approval. Restrictions may apply; see credit union for details.

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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.