Refinance Your Auto Loan

Refinance Your Auto Loan Today

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Save Money & Refinance with NCCFCU 

Refinancing with NC Community Credit Union can help you save money and get a better deal on your auto loan. Getting pre-approved for an Auto Refi can help you lower your interest rate, decrease your monthly payment, or even help you pay off your auto loan sooner. So, why NOT take the 5-minutes to apply online NOW for an Auto Refi with Your NC Community Credit Union!


Ask about our auto loan discount for existing members!*


Check Your Vehicle’s Value

Most lenders, including our team at NC Community Credit Union, use NADA guides to determine the value of your vehicle and how much we are able to lend for it. We lend a percentage of a vehicle’s NADA Clean Retail value; the percentage of that value that we lend depends upon your creditworthiness, as well as the age of the vehicle. Use NADA to check your vehicle’s value now.

Please fill out the application below to apply instantly.

Once you submit your application, a member of our team will contact you directly regarding the status of your loan within 1 business day.

Shop Our Rates

The interest rate you pay greatly affects your overall cost for your vehicle, so don’t get stuck paying too much. We finance new and used vehicles as low as 3.89% APR*. To assign your rate, we look at things like your credit score, overall debt-to-income ratio, the loan-to-value of the vehicle you are purchasing and your employment history (longevity in a job OR same line of work for an extended period of time).

Model Years
Term Offered (Months)
Rates as low as (APR*)
New & Used, 2019-2021
48 3.89%
49-66 3.99%
72-75 4.09%
84 4.49%
Used, 2017-2018
48 4.19%
49-66 4.39%
72-75 4.59%
84 4.99%
48 4.59%
49-66 4.79%
48 5.49%
49-60 5.79%
36 6.49%
37 to 48 6.99%

*APR- Annual Percentage Rate

Get Started

*.25% (25 basis point) rate (APR) discount offered on a new auto loan for members with an existing checking or loan relationship with NC Community Credit Union. Must be an active member prior to consummation of the loan to have the discount applied. Final interest rate subject to standard underwriting guidelines.