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Student Loan Refinance

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Special Offer: Refinance & get $250 back

Pay off your student loans quicker by refinancing.

A Student Loan Refinance from UW Credit Union can help you reduce your interest rate and potentially lower your monthly payments. Get started today.

Plus, save 0.25% in interest with auto-pay!¹

Explore the Details

Borrow $5,000 to $150,000. Looking to refinance more than $150,000? Give us a call.
Have at least one student loan, federal or private
Choose from 5-, 10- and 15-year terms
$25,000 in annual income
At least 4 years of credit history, not including student loans
You may need a cosigner if you don’t meet credit history requirements
You must be a UW Credit Union member to apply. Not a member? Start your loan application, and then sign up to become a member. Joining is easy!

Applying for a Student Loan Refinance

Our online refinance student loan application process is easy. Find out what information is needed to complete the loan process & timing.

Have Questions or Need Help?

Ask an Expert Schedule an Appointment

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Refinance - Variable Rate

Rates as Low as

4.05

%

APR ** 5-Year

Refinance - Fixed Rate

Rates as Low as

3.99

%

APR ** 5-Year

Already Started or Finished an Application?

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*Variable Rate: Interest rate of 4.05%. 60 monthly payments of $18.44 per $1,000 borrowed. Borrowing $10,000 at 4.05% APR accrues $1,063.45 in interest during the 5-year repayment term. Rate is variable and can change quarterly. For further information on rates and costs for the Variable Rate Student Loan Refinance, see the Application Truth in Lending Disclosure. Fixed Rate: Interest rate of 3.99%. 60 monthly payments of $18.41 per $1,000 borrowed. Borrowing $10,000 at 3.99% APR accrues $1,047.19 in interest during the 5-year repayment term. For further information on rates and costs for the Fixed Rate Student Loan Refinance, see the Application Truth in Lending Disclosure. For both loans, you will be required to review the Application Truth in Lending Disclosure prior to submitting an application. The minimum loan amount is $5,000. Your interest rate will be determined by your credit score or your cosigner's, whichever is greater.

¹ To be eligible for the interest rate reduction for automatic payments, you must be signed up for automatic payments through Firstmark Services. If at any time automatic payments are stopped or the loan is not in good standing, the rate discount will not be applied. Eligibility for rate discount is only available during the repayment period. UW Credit Union reserves the right to modify or discontinue benefits at its discretion and without notice.

² If the borrower misses a payment or makes a late payment during the initial 36 months of repayment, the cosigner release option is revoked. UW Credit Union reserves the right to modify or discontinue benefits at its discretion and without notice.

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