Current Promo: For a limited time, refinance your auto loan to SunWest Credit Union for 2.00% off your current APR + up to 90 days no payment* Learn more
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auto loan refinancing

Auto loans shouldn’t be a one-way relationship, and it’s okay to break up with yours if it’s not what’s best for you.

features you can appreciate

competitive rates
flexible terms
cash out refi
no pre-pay penalty

auto refinance features

At SunWest Credit Union, we’ll give you both the emotional and financial support for your auto loan breakup.

Refinance your car loan and never settle for an auto loan or monthly payments that don’t work for where you are in life right now.

reduce payments

Refi your current auto loan for a lower monthly payment to better fit your budget.

change loan terms

Whether you want to reduce the term or extend it, a refinance loan gives you options.

competitive rates

Lower your APR when you refi your car loan + save loads on interest.

cash out

Use your vehicle’s equity to finance a large purchase, consolidate debt + more.

pre-pay any day

Zero prepayment penalties. Pay more whenever you want + save on interest.

sunwest protects

We offer deals on GAP, Extended Warranty, Debt Protection + Depreciation Protection to fully protect your purchase.

apply online

crunch some numbers

Check out our auto loan refinance calculator and see if you can lower your monthly car payment. Loan approval and interest rates are based on seveal factors including your credit history and monthly term. To see all rates and terms, visit our rates page.

auto refinancing considerations

The amount owed on your current loan makes you want to jump into the nearest body of water because it never seems to go down.

Interest rates have significantly dropped since you originally financed your vehicle, or if your credit score has increased + you qualify for a much lower rate.

Your income has decreased, and the monthly payment on your car loan is now too high.

You can afford a larger monthly payment and want to pay your car off sooner with a shorter term. Shorter terms can often mean a lower interest rate.

You need cash. A cash-out refinance makes money available to you using the equity in your vehicle at the low rate of an auto loan.

Borrowers refinance auto loans for different reasons. It is a stress-free way to save money. That gives you more money to spend on...
Well, whatever you want.

protect what's yours

You put in the refi research and found the loan that fits you best. Now it’s time to protect your investment. As a SunWest Credit Union member, you have access to discounts on comprehensive auto coverages designed to keep your auto and wallet safe.

Auto Refinance FAQ

What is an auto refinance loan?

What is the process to refinance a car loan?

How does my existing auto loan get paid off?

Can I refinance a car loan if I have negative equity?

How long does it take to refinance an auto loan?

Can I refinance an existing SunWest auto loan?

What is the minimum loan amount?

*APR = Annual Percentage Rate.
Rates shown assume excellent borrower credit history. Rates subject to approval and may vary based on multiple factors such as payment method, credit report, and credit worthiness. Certain terms, restrictions, and conditions apply. Proof of existing loan interest rate may be required prior to closing in order to receive the refinanced rate. This offer does not apply to vehicles currently financed through SunWest Federal Credit Union. Rates are subject to change without notice. This credit union is federally insured by the National Credit Union Administration. SunWest reserves the right to modify or discontinue any offers that may be listed on this page at any time.

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