Thinking about refinancing your auto loan? Whether it’s an auto loan or RV loan, refinancing with Scenic Community Credit Union could help lower your monthly payment, reduce your interest rate, or adjust your loan term to better fit your financial goals.


Apply for Auto Refinancing View Rates Auto Loan Calculator

 

Why Refinance Your Auto Loan? 

 
Refinancing your auto loan can change your financial picture for the better and you don’t necessarily have to wait for interest rates to change to benefit. Here are some reasons why refinancing might be a good option for you right now:
 
  • Lower Interest Rate
When interest rates drop, there is always a chance of saving money on a refi. Depending on the remaining principal balance of your current auto loan, just half a point drop in interest rates could provide significant savings for you. Calculate the number of months it would take you to reach the break-even point – the time when your savings equal the costs of the refinance.
 
  • Your Credit Score Improves
If you bought your auto loan when your credit score was lower, you probably qualified for an auto loan at a higher interest rate. If your credit score has improved, you could qualify for a lower interest rate, which could save you on interest paid over the life of your auto loan.
 
  • Lower Monthly Payments
Reduce your payment amount and keep more cash in your pocket each month with an auto loan refinance.
 
  • Switch to a lender you trust
Enjoy personalized support from a local credit union who cares about your financial peace of mind. 
 
 

Before you decide to refinance your auto loan, determine your goal. Do you need to lower your monthly payments to make your budget balance? Are you looking for flexible terms to better fit your needs?

Once you have a goal in mind, consider if refinancing your auto loan is the best option for you.













Vehicle Rates

Rates current as of March 15, 2025.
LOAN TERM APR
New and Used Vehicles
(as low as):
Up to 25,000 miles Up to 135% of Retail - see below


48 mo. or less 4.95%

49 - 63 mo. 5.00%

64 - 75 mo. 5.50%

76 - 84 mo. 6.40%



25,001 miles to 99,999 miles Up to 135% of Retail - see below
 48 mo. or less 5.95%

49 - 63 mo. 6.00% 

64 - 75 mo. 6.45%

76-84 mo. 7.25%



100,000 miles to 125,000 miles Up to 120% of Retail - see below
 48 mo. 6.90%

49 - 60 mo. 7.00%

61 - 72 mo.
7.50%



125,001 miles to 200,000 miles Up to 120% of Retail - see below
 48 mo.
7.00%

49 - 60 mo.
7.15%

Max Backend – 20% of MSRP or the NADA Retail or $7,000, whichever is less (SCCU GAP in addition).



Auto Loan Refinancing With Scenic Community Credit Union

 
 
*All loan rates and terms are subject to change without notice. Loan rates and terms will vary depending on the strength of the member's credit, and term selected. Actual rates could vary. Ask the credit union for the rate for which you qualify.