Refinance with CSCU

Refinance an Auto Loan

We would love to help you save with a refinance on your current vehicle loan.

Is Refinancing Right for Me?

There are a number of reasons you might want to refinance your current vehicle loan. We hope you have a deep sense of community and know that the loans you finance with CSCU go back into your community in many ways.  

You might refinance to:

  • Lower your monthly payment
  • Lower your interest rate
  • Extend the term of your loan
  • Pay your loan off faster

The reasons vary, however, we are here to help you make the best decision on refinancing your vehicles.

We believe in community and we want you to Bank Happy, Spend Smart and Live Well in your community.


Run your numbers

Get a better idea of what to expect out of your payments, percentage rates, or down payment with our free calculator tool. 



What do I need in order to apply to refinance my vehicle?

  1.  You will need the make, model, mileage, year, and VIN (Vehicle Identification Number) of your vehicle.
  2. The payoff amount of your current vehicle.
  3. Submit your application with the remaining required information.
  4. The name of the current lienholder.

When is the best time to refinance?

Several factors can make it a great time to consider refinancing:

  • Has your credit score improved since you financed your loan?
  • Have you had a recent change in income, either up or down?
  • Would you like to lower your rate?
  • Would you like to lower your payment?

These are just a few things to consider.


How soon after I purchase a car through a dealer or another financial institution can I refinance?

Usually we can help you as soon as the former lender has received and processed your loan documents and established the loan.  Contact us for help.

What if I bought an expensive GAP or Warranty product from another lender?

Gather your information regarding those protection policies.  CSCU offers both GAP and Mechanical Repair Coverage.  You will want to be sure to apply for a refund from the prior lender.

How will I know what my new rate will be?

If you know your credit score, we can help you determine about where your rate may fall.  CSCU uses the Equifax FICO8 Auto Score to price Automobile loans and after you apply, we can give you the rate you would receive based on your score and collateral offered.


We're here, talk to us.

Text us anytime, and we’ll get back to you during business hours. Our local team will walk through your questions and get you set up with a reservation or application. 

TEXT: 936-295-3980

Message & data rates may apply. 

*All loans subject to credit approval and membership eligibility.  Your actual APR (Annual Percentage Rate) will be determined at the time of your loan disbursement and will be based on your creditworthiness and other factors, including the collateral age and condition if applicable. Not all applicants will qualify for the lowest rate. Other terms and conditions may apply.

**Rates shown are for example only not actual rates you would receive.  Your actual rate may be higher or lower than the rate shown.