Auto Refinance

Rates as low as
7.24% APR*

Auto Refinance Benefits

Hundreds of car owners choose to refinance their vehicles through Excite Credit Union. We make it simple to save -- guaranteed!

1% Interest Rate Discount*

24 - 84 Month Terms

0 Payments For 90 Days

Member-Centric Approach

Fast Loan Approvals

No Prepayment Penalties

Auto Refinance Calculator

Curious just how much you could be saving with us? It’s easy -- type in your information and create a monthly payment plan that’s right for you!

Complete An Auto Loan Refinance In 3 Easy Steps


Apply Online

Quick and easy online application.


Sign Your Paperwork

Agree to the loan amount, rates, and terms.


Refinance & Save

Use your new APR to save more every month.

Get Started

Auto Protection

Looking to protect your investment? We got you, with GAP, mechanical breakdown and additional insurance through TruStage. Learn more here.


*1% interest discount is only available for refinances from another financial institution and not available for Excite CU refinances.

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Getting a membership with us isn't a transaction - it's a friendship, a partnership, a neighborhood-wide collab, a life-long pursuit of better, for you, me, us, them, and everyone else we hang out with in life.