Auto Refinance Benefits
Hundreds of car owners choose to refinance their vehicles through Excite Credit Union. We make it simple to save -- guaranteed!
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1% Interest Rate Discount*
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24 - 84 Month Terms
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0 Payments For 90 Days
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Cash Back options available*
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Rate Discounts Available*
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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
Step
1
Apply Online
Quick and easy online application.
Step
2
Sign Your Paperwork
Agree to the loan amount, rates, and terms.
Step
3
Refinance & Save
Use your new APR to save more every month.
Complete the form below to get started:
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Disclosure
*APR=Annual Percentage Rate
Loans require Excite Credit Union Membership. Minimum amount financed is $5,000. No Payment for 90 days offer is subject to restrictions and credit qualification. Interest on 90 days no payment loans will begin to accrue immediately upon loan disbursal and will be amortized over the monthly loan payments. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount. Max. .25% discount for one of the following: 0.25% discount for having Auto Pay; 0.25% discount if the Loan to Value (LTV) ratio is ≤ 85%; or a 0.25% discount for Electric Vehicles. If the amount financed is under $10,000 there will be a 0.50% rate add-on. If the vehicle has 100,000 miles or more there will be a 0.25% rate add-on. Certain restrictions apply. Rates subject to change. This offer is valid 4/1/24-12/31/24 and can be withdrawn anytime.
** Restrictions apply. Auto refinance loan must be at least $5,000. To obtain the 1% rate reduction, the loan to be refinanced must not be with Excite Credit Union and is subject to qualified borrowers and collateral approval. Rate cannot go below our floor rate of 5.99%. Vehicle must be 2010 or newer.
Loans require Excite Credit Union Membership. Minimum amount financed is $5,000. No Payment for 90 days offer is subject to restrictions and credit qualification. Interest on 90 days no payment loans will begin to accrue immediately upon loan disbursal and will be amortized over the monthly loan payments. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount. Max. .25% discount for one of the following: 0.25% discount for having Auto Pay; 0.25% discount if the Loan to Value (LTV) ratio is ≤ 85%; or a 0.25% discount for Electric Vehicles. If the amount financed is under $10,000 there will be a 0.50% rate add-on. If the vehicle has 100,000 miles or more there will be a 0.25% rate add-on. Certain restrictions apply. Rates subject to change. This offer is valid 4/1/24-12/31/24 and can be withdrawn anytime.
** Restrictions apply. Auto refinance loan must be at least $5,000. To obtain the 1% rate reduction, the loan to be refinanced must not be with Excite Credit Union and is subject to qualified borrowers and collateral approval. Rate cannot go below our floor rate of 5.99%. Vehicle must be 2010 or newer.