Vehicle Loan Refinance


1% cash back

Get up to $250 when you refinance!1  Offer expires June 30, 2024.

Get Started


​Members save an average of $3,057 by refinancing with us.​2

When you refinance, you replace your existing auto loan with a new one that works better for you, often with a lower rate and different term.

Reasons to refinance may include:

  • Lowering your rate to save on interest.
  • Lowering your monthly payment with a new rate and/or term.
  • Changing your term to pay off your loan sooner.

Are you refinancing a new or used vehicle?

Rates and terms vary depending on the model year of your car, truck or motorcycle.

  • New vehicles include model years for next year, this year and last year.
  • Used vehicles are classified as models older than last year.

New Vehicle

Rates as Low as
APR * 48 mo.

Used Vehicle

Rates as Low as
APR * 36 mo.

Find Your Rate & Apply - It's Easy!


Find Your Rate

Click Get Started to get your rate. Don't worry—this won't affect your credit score.


Pick Your Loan

Review your options and select the loan that's right for you.



Submit your application and get approved within 1 business day!

Easy Online Payments

Discover all the ways you can easily pay your UWCU auto loan. Choose the method that's best for you.

Pay my loan >


Get a Loan Rate Discount

Enjoy a 0.25% rate discount on your auto loan with Value or Premium Checking. It's easy to switch!

Value or Premium Rewards >

Get in Touch

You need to feel confident that you picked the best option for your vehicle loan. Our local experts are here to answer your questions and get you on to your next adventure.

ITIN Lending - UWCU is proud to accept ITIN for vehicle loan applications.