Refi for a reason

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.

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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.