Are you looking for a way to lower your payment on your current auto loan?

We want to help give you a financial advantage, and that's what our auto loans are designed to do. Refinancing your auto loan from another lender could help you save on your monthly payment.


Plus, you can complete the whole process from the comfort of your home!


  • Loan rate discount of 0.25% APR* with auto pay
  • Loan rate discount of 0.25% APR1 by being a repeat borrower
  • UCU offers rates among the lowest in the nation
  • No payments for 90 days2
  • Hassle-free online application


You may qualify for an auto loan refinance if:

  • The year of your vehicle is 2017 or newer
  • Your vehicle has less than 100,000 miles
  • You owe more than $7,500 on your current auto loan


Now is the time to refinance – our auto loan rates are as low as 5.24% APR!3


Plus, you could also earn up to 5.00% APY4 when you combine your auto loan with a University Checking Account.

 Apply online now to see if UCU can help you start saving money.

Member Testimonial

"I was looking for a place to refinance my massive car loan with a lower interest rate. From beginning to end they have given us such a great experience. They truly care about their members and it shows. They did such a great job at making the process as smooth and quick as possible. I would highly recommend coming here for auto refinance. Great rates too!"

- Elizabeth G.

Member Testimonial

"UCU has helped me finance all the cars I have owned throughout my life. They treat me like family."

- Glenn A.