Your auto payment could be lower.
Refinancing your auto loan with CSCU may lower your monthly payment, reduce your rate, or simply fit your budget better.
Apply nowIs refinancing right for you?
Your credit has improved.
If your credit score is better than when you first financed, you may qualify for a lower rate.
Rates have dropped.
Market rates may be lower now than when you bought your vehicle.
Your budget has changed.
If your income or expenses have shifted, a lower payment may help.
You're paying a high rate.
Dealership and other lender rates can run high. See how CSCU compares.
Refinancing, step by step.
Refinancing can be as quick as one business day.
Share your vehicle and loan details.
Tell us about your car and your current loan.
Review your options.
See rates, payments, and terms.
Choose your offer and apply.
Pick what works for you and complete your application.
We pay off your old loan.
CSCU pays off your existing loan, and you make your payments to CSCU.
Have these handy.
It helps to have this information ready when you apply.
See what you could save.
Move the sliders to match your current loan.
Estimate only. Assumes the same balance and remaining term, no fees, and no payment deferral. Your actual rate depends on creditworthiness. The lowest available rate is 4.39% APR, which includes a 0.25% AutoPay reduction, and requires a minimum credit score of 640. For more detail, try our full refinance calculator.
Want lower payments and to keep the car?
Flex Drive offers lower lease-like payments with full ownership and no early payoff penalty. Subject to credit approval.
Frequently asked questions
When does refinancing make sense?
Refinancing may be a good fit if your credit score has improved since you financed, interest rates have dropped, your budget has changed and you need a lower payment, or you're paying a high rate from a dealership or another lender.
Will applying affect my credit score?
When you apply, we run a hard credit inquiry, which can temporarily affect your credit score. If you'd like a ballpark rate first, call or text us at (936) 295-3980.
How long does it take?
Refinancing can be as quick as one business day. Timing varies.
Can I refinance a loan from another lender?
Yes. We can refinance auto loans from any lender. Existing CSCU vehicle loans are not eligible unless approved.
What information do I need to apply?
Have your vehicle's VIN, your current lender information, approximate mileage, your monthly payment information, and your warranty and GAP coverage details ready.
Do I need to be a CSCU member?
Membership eligibility is required. We'll walk you through it when you apply.
Ready to see your options?
Apply online in a few minutes.
Apply nowPrefer to talk? Call or text (936) 295-3980.
*Defer your first payment up to 90 days. Offer valid through 12/31/2026.
Rate disclosure: Rates are based on creditworthiness. The lowest available rate is 4.39% APR and includes a 0.25% AutoPay reduction. A minimum credit score of 640 is required. Rates effective October 1, 2026. Offer ends December 31, 2026.
Savings example: Current loan of $30,000 at 8.99% APR over 60 months has a payment of $623 per month. Refinanced with CSCU at 5.99% APR over 60 months, the payment is $580 per month, a savings of $43 per month and $2,570 in interest over 60 months. The example assumes the same balance and term, no fees, and no payment deferral. Your results will vary.
Membership eligibility is required. Existing CSCU vehicle loans are not eligible for refinance unless approved. All loans are subject to credit approval.