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Auto Refinance

See What Bellwether Can Save You

Refinancing your auto loan with Bellwether Community Credit Union may be able to significantly lower your monthly payments, allowing you to save some money each month. Existing Bellwether auto loans are not eligible for refinancing.

Not a member with Bellwether? Become a member for just $5 when you open a Savings Account with us!

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see how much an auto refinance could save you

Benefits of an Auto Refinance

There are plenty of great reasons why you might benefit from auto loan refinancing, including:

  • Bellwether has some of the lowest auto loan rates around. The lower the rate, the more you will save each month. 
  • You have a better credit score. Your credit score has improved since you first purchased the car, so you might be able to get a new loan with a better rate.
  • Your income has increased. You're making more money, so you can afford higher monthly payments. Through refinancing, you could get a shorter term loan with higher monthly payments. By paying off the car sooner, you can avoid paying greater interest in the long-term.
  • You financed through a dealer. Dealer financing typically comes with higher rates than with credit union auto loans. A Bellwether auto loan refinance could give you much more favorable terms and rates.

Auto Rate Table

*Rates quoted are for well-qualified buyers. Your actual rate and term will be determined by your creditworthiness and ability to repay. Title, UCC, and VSI fees will be charged when necessary. Payment examples assume $0.00 down payment on a $10,000 vehicle. All loans are subject to credit approval. Rates are subject to change at any time.

Effective Date: January 1, 2023
Vehicle Year
Term
% Financed
APR (%)
Notes
Vehicle Year
2023 - 2021
Term
0-66 Months
% Financed
Up to 120%
APR (%)
6.24%
Notes
Est. monthly pmt: $17.94 per $1,000 (66 mos.)
Vehicle Year
2023 - 2021
Term
67-75 Months
% Financed
Up to 120%
APR (%)
7.04%
Notes
Est. monthly pmt: $16.52 per $1,000 for 75 months
Vehicle Year
2023 - 2021
Term
76-84 Months
% Financed
Up to 120%
APR (%)
7.84%
Notes
Est. monthly pmt: $15.51 per $1,000 for 84 months
Vehicle Year
2020 - 2017
Term
0-66 Months
% Financed
Up to 120%
APR (%)
6.49%
Notes
Est. monthly pmt: $18.06 per $1,000 (66 mos.)
Vehicle Year
2020 - 2017
Term
66-75 Months
% Financed
Up to 120%
APR (%)
7.29%
Notes
Est. monthly pmt: $16.64 per $1,000 for 75 months
Vehicle Year
2020 - 2017
Term
76-84 Months
% Financed
Up to 120%
APR (%)
8.09%
Notes
Est. monthly pmt: $15.63 per $1,000 for 84 months
Vehicle Year
2016-2014
Term
0-66 Months
% Financed
Up to 120%
APR (%)
6.54%
Notes
Est. monthly pmt: $18.08 per $1,000 (66 mos.)
Vehicle Year
2016-2014
Term
67-75 Months
% Financed
Up to 120%
APR (%)
7.29%
Notes
Est. monthly pmt: $16.64 per $1,000 for 75 months
Vehicle Year
2013 & older
Term
0-60 Months
% Financed
Up to 100%
APR (%)
8.59%
Notes
Est. monthly pmt: $20.56 per $1,000 (60 mos.)

*Rates quoted are for well-qualified buyers. Your actual rate and term will be determined by your creditworthiness and ability to repay. Title, UCC, and VSI fees will be charged when necessary. Payment examples assume $0.00 down payment on a $10,000 vehicle. All loans are subject to credit approval. Rates are subject to change at any time.

FAQs

What's APR?

APR stands for Annual Percentage Rate; the rate of interest that you will pay on the loan each year.

How does my credit score impact my auto loan interest rate?

The higher your credit score and the better your credit history, the more likely you will receive better interest rates.

Can I refinance an existing auto loan?

Yes, you can refinance your auto loan, and we’re happy to help you move your loan over to Bellwether Community Credit Union. Existing Bellwether loans are not eligible for refinancing. Must qualify for membership.


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