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Used Vehicle Loan Refinancing

Do you have a vehicle loan at another financial institution? You may be able to save by refinancing at the Credit Union. At the Credit Union, you don't have to EARN a lower interest rate - we offer the same great low rate of % to all members! Use the convenient calculator below to estimate your monthly payment with the Credit Union and compare that to what you're currently paying! If your vehicle has less than 10,000 miles, and is a prior, current or upcoming model year, you will qualify for our new vehicle rates. Please see our Vehicle Loans website page for current rates.

Compare your loan to the Credit Union rate and SAVE BIG!


The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Please visit your local branch or call the Contact Center for personal advice.
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Want to refinance? Contact your local branch or the Contact Center!
Have you considered our auto insurance? Contact your local branch or the Contact Center today to obtain a risk-free quote!
We may finance up to 110% of the value of the vehicle based on the NADA retail value. To determine the value of the vehicle, please use the link for Used Car Values located in the Auto Center in Member Access. The Credit Union does not accept flood, salvage or reconstructed title vehicles as collateral.

Used Vehicle Loan Specifications

  • % APR1 for all terms using Payroll Deduction/Funds Transfer repayment Calculate Payment
  • % APR1 for all terms using Direct Payment Calculate Payment
  • Terms up to months
  • May be repaid at any time without penalty
  • Lending is limited to residents of North Carolina, South Carolina, Georgia, Tennessee and Virginia
  • Members must be 18 years of age or older to be eligible for lending services

1 APR = Annual Percentage Rate

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*Quoted rates, dividends, annual percentage yields (APY) and rates (APR) are subject to change daily at the discretion of the Board of Directors.