Refinance your auto loan!

Refinance your auto loan – receive up to $500!

Refinance your auto loan from another lender to Pacific Service Credit Union and receive 1% cash back, up to $500!

Rates as low as 6.49% APR for new vehicles, 6.74% APR for used vehicles
Terms up to 72 months
No payments for 90 days
Simple, quick process

Refinancing is free, simple and only takes minutes. Choose from one of the two options below to get started:

Complete details and membership eligibility requirements available online or by phone.

Annual percentage rate (APR) as of December 1, 2024 and is subject to change. Rates subject to change without notice. Maximum term varies based on loan amount. Lowest rate quoted. Rate may be up to 9.50% APR above quoted rate based on credit qualifications. New auto rate applies to vehicles with less than 7,500 miles which have not been previously registered and are in the current or previous model year. All other vehicles subject to used car pricing. Quoted rate assumes a 0.25% APR discount for borrowers who maintain a Relationship Checking account. A $200 fee applies to reduce the rate of an existing Pacific Service CU loan. Cash out refinances allowed on vehicles with less than 100,000 miles and less than ten model years old. Call for details Additional terms: Loans subject to all credit union policies and procedures. Rate, maximum term, maximum loan amount and advance amount based on credit qualifications and eligible collateral. Credit union reserves the right to determine collateral value of vehicles based on industry recognized guides or full appraisal. Financing is available for manufacturer franchise dealers only. Rate increases by 2.00% APR for vehicles with 150,001 to 200,000 miles and/or are 11 model years old or older. . Representative example: Pay $16.81 per month per $1,000 borrowed for 72 months at 6.49% APR.

90-Day Payment Deferral: Offer subject to change without notice. Payment deferral is optional. There is no fee for the 90-day payment deferral. The interest on the loan will continue to accrue. The deferred payment(s) plus any additional accrued interest will be paid at the end of your loan. The first payment will be due 90 days from the date of booking. Other restrictions may apply.