Auto Refinance

Reduce your current loan rate by 1%* and make no payment for 90 days!

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.

Complete the form below to get started:

Auto Protection

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


*Credit and collateral subject to approval. Vehicle must be 2010 or newer. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount. Rates subject to change. Rate cannot go below our floor rate of 5.99%. Auto refinance loan must be at least $5,000. To obtain the rate reduction, the loan to be refinanced must not be with Excite Credit Union. Certain restrictions apply. Loans require Excite Credit Union membership. This offer is valid 4/1/24-6/30/24 and can be withdrawn anytime. Offer cannot be combined with other promotions.

Join our community

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.