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Auto Loan Refinancing

Auto loans, like any kind of personal loan, can be a big commitment. But just because you applied for an auto loan somewhere else doesn’t mean you can’t shop around for a better deal elsewhere, even on your existing loan.

Refinancing an auto loan allows you to get a more favorable rate and easier terms than you might’ve gotten through your original lender. When you refinance an auto loan, you take out a new loan in the amount of your existing car loan to pay it off. However, your new loan will have a much lower interest rate and much more favorable payment terms, allowing you to actually save money in the long run, even on a loan for the same amount that you owed previously.

Best of all, they’re easy to apply for! Did you know you can refinance an auto loan at Genisys? Don’t stay stuck in a high rate dealer or bank loan you didn’t really want! Bring your car loan from a different financial institution to Genisys and see if we can lower your payment with our competitive rates and convenient terms. Be sure to use our Auto Loan Refinance Calculator to see just how much money we can save you.

Start saving today with Genisys Credit Union’s Auto Refinance options.

Auto Loan Special - Available on New Loans Only
Effective Date: Friday, July 3rd, 2020
Model YearAPR as low as*Term
2014 and newer 1.99%1 Up to 60 months

Enjoy no payments for 90 days for borrowers with excellent credit2

1Annual Percentage Rate (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Approximate monthly payment would be $17.52 per $1,000 borrowed at 1.99% for 60 months. 2Offer available to credit scores of 680 and higher. Interest accrues during the deferral period.

Auto Loans
Effective Date: Friday, July 3rd, 2020
Model YearAPR as low as*Maximum Term
2014 and newer 2.58% 61-72 month
2016 and newer 3.99% 73-84 months**
2011-2013 3.74% up to 60 months
2010 & older 3.99% up to 60 months

Enjoy no payments for 90 days for borrowers with excellent credit2

*Annual Percentage Rate (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account.  Approximate monthly payment would be $15.01 per $1,000 borrowed at 2.58% for 72 months. **73-84 month term requires minimum financed amount of $25,000. 2Offer available to credit scores of 680 and higher. Interest accrues during the deferral period.

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