America's Christian CU
America's Christian Credit Union

Auto Loan Refinance

If you love your car, but not your loan, try refinancing with ACCU. Our simple refinance tool can show you flexible financing options designed to help you save more in minutes.

Run a quick refinance check to see if you can save money by refinancing with ACCU.
Best of all, it won’t affect your credit score to check.

Do You Have The Lowest Auto Loan Rate?

ACCU is committed to help you save more on your auto loan*. Refinancing your car loan is an easy way to lower your car loan interest rate and monthly payments. We offer an easy way to check what rate and terms we can offer you right from your phone, tablet, or computer. Best of all, our quick Refinance Tool will allow you to check your refinance options without affecting your credit score!

*Current ACCU Loans are not eligible for refinance. Initial refinance check will not impact credit score. Rate subject to final credit approval. Upon application your credit will be pulled. “As low as” rate includes a 0.50% discount for ACH/automatic payments. Speak with a Loan Officer for more information.

Ready to Refinance a Car Loan?

You’ll need the right information and documents (car mileage, VIN, current car loan numbers, driver’s license, and income verification), but don’t worry, we can help! Our Refinance Tool will quickly pull in most of the information we need in a matter of minutes. If you like what you see and are ready to refinance, just click refinance and we will pull your credit file and complete the process.  A Loan Officer will be in contact with you to provide your final loan documents.

Today's Rate - Valid 06/13/2024
Auto Loan Refinance
As Low As

Auto Loan Refinance Features:

  • Terms up to 84 months (7 Years)
  • Pre-Approvals for additional buying power
  • 0.50% rate discount with automatic payments
  • Up to 100% financing of Kelley Blue Book® Value (used auto)2
  • Discounted GAP coverage & Mechanical Breakdown Insurance available
  • Debt Protection Services Available
  • First Payment deferral up to 90 days3
  • Up to two Skip-a-Payments per year

Auto Loan Payment Calculator

The loan amount, the interest rate, and the term of the loan can have a dramatic effect on the total amount you will eventually pay on a loan. Use our loan payment calculator to determine the payment and see the impact of these variables on a specified loan amount complete with an amortization schedule.

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not imply that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results. This calculator is not an offer of credit nor a guarantee of approval.

Financing with Christian Values
Reliability is essential — especially when it comes to your and your passengers’ safety on the road. Whether you’re taking the kids to school, or finally taking off on that long-awaited cross-country road trip, you need a vehicle in good working order, at a payment that you can afford. Let us help!

1 – APR = Annual percentage rate. Loans on approved credit. Actual APR based on creditworthiness. Not all applicants will qualify or qualify for the lowest rate. See current rates and terms. Membership required–based on eligibility. “As low as” rate at each loan includes a 0.50% discount for ACH/automatic payments. Actual payment depends on the term chosen. For example, a $500 loan with a term of 36 months at 5.74% is approximately $30.30 per month per $1,000 borrowed. Actual payment will vary based on the total amount financed. A one-time $25.00 loan funding fee will be applied to the loan’s principal balance upon acceptance of qualified rate and terms. This will increase the principal balance and effective APR. Must qualify for membership. A $2.00 membership fee may apply.

2 – A used auto is considered to be a vehicle whose model year is more than one year older than the current calendar year. Used vehicles are subject to Kelley Blue Book®’s valuation.

3 – 90-days no payments: Must be requested by borrower. Interest will continue to accrue during this period. Repayment of the loan is still subject to the number of installments chosen at time of funding (i.e. 36, 48, 60, 72 or 84 monthly payments). Current ACCU loans not eligible for promotion.