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Refinancing your car payment to SWACU can save you money on your monthly payment, lower your interest rate or help pay off your vehicle sooner.

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Why should I refinance?

When you refinance a car loan, you’re taking out a new loan with different terms to pay off your existing loan. 

Lower Interest Rate

Refinancing your car loan may lower your interest rate, which could lead to a lower monthly payment and paying less interest over the life of your loan.

Decrease Your Payment

If refinancing your auto loan brings your interest rate down, it could mean your monthly payment will also go down.

Shorter Loan Terms

A shorter auto loan term means you can pay off your car sooner. A shorter loan could also mean you pay less in overall interest.


Refinance now


APR* - Annual percentage rate. First payment will be due 90 days from closing of the loan.  Finance charges begin accruing as of the loan disbursement date. Actual rate you receive will be based on your credit score and term. Existing SWACU auto loans are not eligible for this offer. Auto refinance loan must be at least $5,000. Promotion runs 2/21/23-4/30/23. Offer may end at any time. Full details at Example Repayment Term: 60 monthly payments of $954.83 for a $50,000 loan at 5.49% APR. Insured by NCUA.

How do I refinance my auto loan?

  1. Apply through online banking
    1. Select Member Services > Apply > Loan
  2. Apply in-branch
  3. Give us a call


Can I refinance my existing SWACU auto loan for this promotion?
No, this promotion only applies towards new and used auto loans new to SWACU.

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