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Local, Simplified Auto Refinancing

Smart refinancing options for your vehicle with local support and straightforward terms.
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Benefits of an Auto Refinance

There are plenty of great reasons why you might benefit from auto loan refinancing.
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Bellwether has some of the lowest auto loan rates around. The lower the rate, the more you will save each month.
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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.
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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.
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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 Rates

*Mileage greater than 125,000 add 1%. 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, 2026
Vehicle Year
Term
% Financed
APR (%)
Notes
Vehicle Year
2026 - 2024
Term
0-66 Months
% Financed
Up to 125%
APR (%)
5.59%
Notes
Est. monthly pmt: $17.63 per $1,000 (66 mos.)
Vehicle Year
2026 - 2024
Term
67-75 Months
% Financed
Up to 125%
APR (%)
5.99%
Notes
Est. monthly pmt: $16.02 per $1,000 for 75 months
Vehicle Year
2026 - 2024
Term
76-90 Months
% Financed
Up to 125%
APR (%)
6.74%
Notes
Est. monthly pmt: $14.19 per $1,000 for 90 months
Vehicle Year
2023 - 2020
Term
0-66 Months
% Financed
Up to 120%
APR (%)
5.99%
Notes
Est. monthly pmt: $17.82 per $1,000 (66 mos.)
Vehicle Year
2023 - 2020
Term
66-75 Months
% Financed
Up to 120%
APR (%)
5.99%
Notes
Est. monthly pmt: $16.02 per $1,000 for 75 months
Vehicle Year
2023 - 2020
Term
76-84 Months
% Financed
Up to 120%
APR (%)
6.74%
Notes
Est. monthly pmt: $14.97 per $1,000 for 84 months
Vehicle Year
2019-2017
Term
0-66 Months
% Financed
Up to 120%
APR (%)
7.09%
Notes
Est. monthly pmt: $18.34 per $1,000 (66 mos.)
Vehicle Year
2019-2017
Term
67-75 Months
% Financed
Up to 120%
APR (%)
7.84%
Notes
Est. monthly pmt: $16.91 per $1,000 for 75 months
Vehicle Year
2016 & older
Term
0-60 Months
% Financed
Up to 100%
APR (%)
8.14%
Notes
Est. monthly pmt: $20.34 per $1,000 (60 mos.)

*Mileage greater than 125,000 add 1%. 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.

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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Testimonials

"I recently refinanced an auto loan with bellwether. It's an older car, and even though I had a little bit of a lower rate with my former credit union, bellwether offers longer terms even for older cars, so that was definitely a big deciding factor. The rate was actually very good, and got it down a little lower by opening a checking account and direct deposit. Andrea helped me through the whole process, even staying late and calling me with everything she needed. She was very nice, and made the process easy without having to take time off to go do this. I would definitely recommend BCU for any banking needs!!"
Jess Ackerman, Manchester, NH 
"I have had several auto loans with Bellwether and highly recommend them. Everyone that I have ever had to deal with has been very friendly and helpful."
Barb Harnois, Manchester, NH 

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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