This offer only applies to auto loans being refinanced from another lender. But you may still qualify for a lower rate than you currently have. Increased credit score, reduction in loan term, and other factors could mean a lower rate. Let’s check!
Your car’s still working for you. But your car loan rate? Let’s talk about 2.00% off your rate, 90 days with no payment, + a bonus feel-good moment.
Offer starts April 6, 2026
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PUT YOUR LOAN IN DRIVE
Every refinance sends $50 to support Valley of the Sun United Way—helping strengthen education, housing, health, and opportunity across our community. Lowering your rate comes with an extra feel-good vibe.
You’re driving the balance down with every payment. But why not make it go faster? If your rate hasn’t been touched since you got the keys, there’s a good chance you’re overpaying on interest.
You’re moving forward. Get your loan up to speed.
You don’t need to start over with a new car. You just need to stop letting your loan burn through cash like it does gas.
Learn more about refinancing, or crunch the numbers to compare a SunWest refinance to your current loan.
*APR = Annual Percentage Rate. On approved credit. Certain terms, restrictions and conditions apply. Refinanced loan interest rate cannot be lower than 4.99% APR when refinancing up to 2.00% APR below your existing rate. The first payment may be deferred for up to 90 days. Your loan will accrue interest during that time. Proof of current loan rate may be required prior to closing in order to receive the refinanced rate. Offer is for vehicle refinance applications processed before July 6, 2026. This offer does not apply to vehicles currently financed through SunWest Federal Credit Union. Rates are subject to change without notice. $50 donation per funded loan will be made to Valley of the Sun United Way. SunWest reserves the right to modify or discontinue a portion or all of this promotion at any time.
See a representative for complete details, qualifications, and disclosures.
This offer only applies to auto loans being refinanced from another lender. But you may still qualify for a lower rate than you currently have. Increased credit score, reduction in loan term, and other factors could mean a lower rate. Let’s check!
You could save interest by lowering your interest rate, reduce your monthly payments, enjoy up to 90 days without a payment, change your loan term, even potentially take cash out using the equity available in your vehicle.
Nope! We offer this to give our members financial flexibility to catch up on higher interest debts, but it is not mandatory. If there’s a specific date you prefer for your first payment, let your Lending Specialist know prior to signing your loan documents.
This offer is available to both members and non-members who have existing auto loans with another financial institution and meet our credit and vehicle criteria.
You’ll need your vehicle information (make, model, year, mileage), personal information (income, address, contact information), and current auto loan details (lender, balance, APR).
We don’t charge application or loan processing fees for auto loans. There will likely be payoff interest, title and registration fees involved which get rolled into the loan unless you choose to pay out of pocket. Your Lending Specialist will disclose any fees prior to loan closing.
We pay off your existing loan, and your new loan with SunWest replaces it. You make payments to SunWest according to the terms of your new loan agreement.
Depending on when your next payment is with your lender, we may recommend making a payment prior to completing the refinance to ensure your payments are up-to-date and accurate. But don’t worry! Your Lending Specialist will let you know whether or not it’s necessary.
Give us a call, pay a visit, or fill out the form below and we’d be happy to help!
