AUTO LOAN REFINANCE
Rates as low as 5.74% APR*
Shift gears on your car payments with an auto loan refinance that puts you in the financial driver’s seat. Apply today to lock in a lower rate or get a better loan term.
Auto Loan Refinance
Regular Savings Accounts
AUTO LOAN REFINANCE
Rates as low as 5.74% APR*
Shift gears on your car payments with an auto loan refinance that puts you in the financial driver’s seat. Apply today to lock in a lower rate or get a better loan term.
Hit the brakes on high payments
Get a Lower Interest Rate
Lower your APR by up to 1.00% when you refinance from another lender or save an additional 0.25% APR when you set up automatic loan payments from your checking account.
Lower Your Monthly Payments
By extending your loan term, you may be able to lower your monthly payments, which can improve your short-term cash flow and make your budget more manageable.
Pay Off Your Loan Faster
If you refinance with a shorter loan term, you can pay off your loan faster and save even more on interest. This will give you more to invest or free your money up for other things.
Additional Details
Switch lanes to a better deal!
- Save money: Save big on the cost of borrowing with a lower interest rate. You may be able to lower your APR by up to 1.00% if your current loan is with another lender, and you could save an additional 0.25% when you set up automatic loan payments from your Columbia CU checking account.
- Get a better loan term: Lower your monthly payments with a longer term or pay off your loan faster with a shorter term.
- Quick and easy refinancing: Our streamlined application process and fast loan approvals allow you to start saving sooner.
Click below to downshift your rate and put your savings into overdrive.
Additional Details
Switch lanes to a better deal!
- Save money: Save big on the cost of borrowing with a lower interest rate. You may be able to lower your APR by up to 1.00% if your current loan is with another lender, and you could save an additional 0.25% when you set up automatic loan payments from your Columbia CU checking account.
- Get a better loan term: Lower your monthly payments with a longer term or pay off your loan faster with a shorter term.
- Quick and easy refinancing: Our streamlined application process and fast loan approvals allow you to start saving sooner.
Click below to downshift your rate and put your savings into overdrive.
WHY CHOOSE COLUMBIA CU?
Experience the credit union difference!
Columbia Credit Union isn’t just an ideal partner for a car loan refinance, we can serve all of your banking needs. We offer:
- Personalized service: Enjoy dedicated support to help you achieve your financial goals.
- Local branches: With multiple branches in Vancouver, Washington and Portland, Oregon, we’re always close by.
- Member-focused: Our primary focus is taking care of the needs of our members, who are the owners, instead of turning a profit for shareholders.
- Competitive rates: Enjoy low rates on mortgages and other loans. Earn more on interest-bearing accounts.
- Lower fees: As a not-for-profit organization, we offer lower and fewer fees than other banking options.
Click below to join Columbia Credit Union and take advantage of the many perks that membership offers.
WHY CHOOSE COLUMBIA CU?
Experience the credit union difference!
Columbia Credit Union isn’t just an ideal partner for a car loan refinance, we can serve all of your banking needs. We offer:
- Personalized service: Enjoy dedicated support to help you achieve your financial goals.
- Local branches: With multiple branches in Vancouver, Washington and Portland, Oregon, we’re always close by.
- Member-focused: Our primary focus is taking care of the needs of our members, who are the owners, instead of turning a profit for shareholders.
- Competitive rates: Enjoy low rates on mortgages and other loans. Earn more on interest-bearing accounts.
- Lower fees: As a not-for-profit organization, we offer lower and fewer fees than other banking options.
Click below to join Columbia Credit Union and take advantage of the many perks that membership offers.
AUTO LOAN REFINANCE
How to Refinance Your Auto Loan
- Apply Online: Click the link below or stop by a branch to start your application.
- Fill out the Application: Submit the short application, which only takes a few minutes to complete.
- We’ll Contact You: We’ll crunch the numbers and reach out to you with a loan decision.
AUTO LOAN REFINANCE
How to Refinance Your Auto Loan
- Apply Online: Click the link below or stop by a branch to start your application.
- Fill out the Application: Submit the short application, which only takes a few minutes to complete.
- We’ll Contact You: We’ll crunch the numbers and reach out to you with a loan decision.
★★★★★
"Super easy and super friendly staff. Enjoyed having peace of mind having a low interest rate when buying my first 'new' car. Love it."
Frances M.
Frequently Asked Questions
If you partner with Columbia Credit Union on an auto loan refinance, you’ll receive personalized service every step of the way. We’ll work with you to help you get the best rate and loan term possible, and we’ll continue to support you after the loan is finalized. We’re dedicated to supporting our members in Washington and Oregon with all of their financial needs.
Absolutely! It doesn’t matter which lender your current loan is with. When you refinance, Columbia Credit Union will pay off your existing loan. You’ll then make payments on your new loan.
Great financing options beyond auto loans.
Personal Loans
Whether you’re dreaming of taking that big vacation, need to pay for car repairs, or want to consolidate debt, our low rates and flexible terms can make it happen.
Home Equity Line of Credit
Unlock the potential of your home’s equity with our HELOCs. Use your funds for a home makeover, a big purchase, or to consolidate debt—the possibilities are endless.
Credit Cards
Enjoy low rates, high rewards, and global travel benefits. Plus, take advantage of no balance transfer fees and 0% interest for 12 months—we have a credit card for everyone.
*APR=Annual Percentage Rate and is accurate as of December 11, 2024. APRs range from 5.74% to 13.99%. The APR you qualify for is based on repayment period, your vehicle’s value, year and mileage and your credit qualifications including residential status, credit and employment history. Payment example: If you borrow $20,000 for 60 months at 5.74% APR, your monthly payment would be $384.24.
If you’re refinancing your vehicle loan from another lender, we will give you the lowest of either a) your Columbia CU qualifying APR or; b) up to 1.00% APR off your current lender’s APR down to our floor of 4.99% APR. Lowest APRs include Checking Relationship Plan discount which provides a qualifying rate discount of 0.25% APR for automatic loan payments from Columbia CU checking. Within 60 days of loan closing, Auto Pay can be set up via automatic transfers from your Columbia CU checking to your loan with either the assistance of a Columbia CU representative or by setting up recurring transfers in Columbia CU’s Online Banking.
Membership required to borrow. Columbia Credit Union may offer other rates in the future.