Be Aware of Fraud Attempts!

We are seeing a significant increase in fraud and scams and want to be sure your accounts and identity are safe. Stay vigilant and protect your account, learn more about the latest spoofing scam.

Go to main content


Money Saving Auto Loan Refinance

Don’t stay stuck in a high rate dealer or bank loan. Let us see if we can get you into a better rate and term

Apply Online

masthead banner

Let’s Lower Your Monthly Payment

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.

man with jeepman with jeep

Refinance for a Better Deal

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.

 

New Auto Loan Rates & Used Auto Loan Rates (By Model Year)
Effective Date: Sunday, October 13th, 2024
Model YearAPR as low as*Maximum Term
2022 and newer 4.99% up to 36 months
2022 and newer 5.24% up to 60 months
2022 and newer 5.49% up to 75 months
2022 and newer 5.74% up to 87 months**
2018-2021 5.74% up to 60 months
2018-2021 5.99% 61-72 months
2020-2021 5.99% 73-84 months***
2015-2017 7.54% up to 60 months
2014 & older 7.79% up to 60 months

Enjoy no payments for 90 days for borrowers with excellent credit2

Apply Online Auto Calculators

*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 $30.00 per $1,000 borrowed at 4.99% for 36 months.
**87 month term requires minimum financed amount of $25,000.
***73-84 month term requires minimum financed amount of $25,000.

290 days no payment offer available to credit scores of 660 and higher. Interest accrues during the deferral period.

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 $19.28 per $1,000 borrowed at 5.89% for 60 months.
**73-84 month term requires minimum financed amount of $25,000.
290 days no payment offer available to credit scores of 675 and higher. Interest accrues during the deferral period.

Request your free credit reports at AnnualCreditReport.com

 

Get Started

How would you like to begin?

Auto Loan Refinancing FAQs

ADDITIONAL COVERAGE

Protect Your Vehicle & Financing

Protect your vehicle and your financing with competitive products from Genisys Credit Union. Request your quote today.

Protection Options

woman in car
Go to main navigation