Want to Save Money on Car Payments?



1% cash back

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

Get Started

All the Reasons to Refi

Get a Worry-Free Rate Quote
See how low your rate can go with a free rate quote—it won’t impact your credit!

Lower Your Rate & Save
By reducing your rate, you could lower your monthly payments and pay less for your vehicle overall.

Find a Term That Fits
Stick with a shorter term to pay off your vehicle sooner, or pick a longer term to drive your payments even lower.

Get a 0.25% rate discount by enrolling in Value or Premium checking!2

New Vehicle

Rates as Low as
APR * 48 mo.

Used Vehicle

Rates as Low as
APR * 36 mo.

The average UWCU member saves $3,057 when they refinance with us.3

Find Your Rate & Apply - It′s Easy


Find Your Rate

Click Get Started to get your vehicle loan rate. Don't worry—it won't impact your credit score.


Pick Your Loan

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



Submit your application and get approved in as few as 5 minutes!

Why should I refinance my auto loan?

  • You want to lower your rate and save on interest
  • You want to lower your monthly payment with a new rate and/or term
  • You want to change your term to pay off your loan sooner

Rates and terms vary depending on the model year of your vehicle. A new vehicle is classified as a vehicle with the model year 2024, 2023, or 2022. A used vehicle is classified as any vehicle with a model year of 2021 or earlier.

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.