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Refinance Your Car

Time to refinance your auto loan

Hit the road to financial freedom when you refinance your auto loan with UCU. Refinancing is another way to give you a financial advantage, putting you on the fast track to success.
Are you looking for a way to lower your payment on your current auto loan? You may qualify for an auto loan refinance if the model year of your car is seven years old or newer, it has less than 100,000 miles, and you owe more than $7,500 on your current auto loan. 
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Are you looking for a way to lower your payment on your current auto loan?

Benefits of UCU auto loan refinancing

Refinancing could be the answer if your current auto loan is putting a strain on your finances. Apply online now to see how UCU can help you start saving money.
  • Loan rate discount of 0.25% APR* with auto pay 
  • Loan rate discount of 0.25% APR1 by being a repeat borrower 
  • UCU offers rates among the lowest in the nation 
  • No payments for 90 days2 
  • Hassle-free online application 

Refinance and save

Refinancing an auto loan can lower your interest rate and monthly payment.
Earn more with your loan

Earn more with your loan

Earn extra dividends on your University Checking Account when you have your auto loan with UCU.
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Giving our University Communities a financial advantage
University Credit Union offers membership to employees, students and alumni of UCLA, Pepperdine University, Loyola Marymount University, Santa Clara University, Saint Mary's College, UC Irvine, UC Davis, UC San Diego, Georgia Tech, University of Texas at Arlington, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. UCU offers a variety of products and services including checking accounts, credit cards, home mortgages, auto loans, personal loans, commercial loans, insurance, investments, as well as digital banking.

*APR = Annual Percentage Rate. Rate with Automatic Payment from a University Checking Account may be discounted by 0.25% APR as long as the rate does not fall below 5.24%. Credit Cards, HELOCs, and mortgages are excluded. 

 

1Repeat Borrower discount of 0.25%. 

 

2Payment can be deferred for 90 days, however, interest will accrue from the date of the contract. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Rates are subject to change at any time. Estimated monthly payment example: New auto loan of $25,000 for 60 months for 100% LTV at 5.24% with Automatic Payment and Repeat Borrower Discount will have an estimated monthly payment of $472.00.

 

3Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 70% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount (Repeat Borrower discount of 0.25% is based on minimum 6 months of positive UCU loan repayment history.). Rates are higher for LTV over 70% and/or terms greater than 36 months. Rate applies to vehicles up to seven model years old and newer.

 

4APY = Annual Percentage Yield. To earn up to 5.00% APY, member must have a qualifying University Checking Account. Based on a combined rate of 4.88%. Credit card must be active, have at least one monthly transaction (excludes balance transfers and cash advances), and be enrolled in credit card eStatements to qualify for the extra 1.00% APY in dividends. Account does not earn dividends if there is a $0 balance in a HELOC at the end of the month. All accounts must be in good standing with no delinquency or bankruptcy pending. Multiple loans in the same category count for only 1.00% APY in dividends. 

 

Qualifying University Checking Accounts will earn 1.00% APY in dividends on balances up to $25,000. Balances above $25,000 will be paid at the regular checking rate. Qualifying University Checking Accounts are defined as having at least 25 transactions per month (includes transactions made with both debit and credit cards) and enrollment in eStatements. If the requirements are not met, then no dividend is earned. Secondary University Checking Accounts not eligible to earn APY. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account at the end of each day. Dividends are disbursed monthly into the active University Checking Account. APY is accurate as of the last dividend declaration date. Fees could reduce the earnings on the account. Rate subject to change after account opening and may vary based on qualifications met at month end. Not valid with any other offers. To establish a UCU Membership, you must deposit at least $5 to a Regular (Share) Savings Account. A $50 minimum deposit is required to open a University Checking Account. All accounts are subject to approval.

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Our University Checking Account lets you bank in person or digitally with seamless support and reliable service. You'll also have the chance to earn extra dividends on your checking account balance when you meet specific requirements.
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