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Refinance Your Auto Loan

It's time to do your wallet a favor

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Refinance your auto loan with us and get an additional discount of 0.75% APR* off of your approved rate.

Reasons to Refinance Your Auto

Change in Financial Situation

If your financial situation has changed due to factors such as a new job, pay raise, or reduction in expenses, refinancing can help you adjust your auto loan terms to better suit your current circumstances.

Lower Interest Rates**

If interest rates have dropped since you originally took out your auto loan or if your credit score has improved significantly, you may qualify for a lower interest rate by refinancing. This can result in lower monthly payments and potentially significant savings over the life of the loan.

Discount of 0.75% APR*

What can we say! From February 15 to April 30, we’re offering members up to 0.75% off on qualifying auto refinances!

Frequently Asked Questions

  • A good copy of the current registration, with current mileage on the auto.
  • A good copy of your current driver’s license, for all borrowers on the loan.
  • A 10-day payoff quote, complete with account # and daily finance charge.
  • Optional: 30-days’ worth of pay stubs. 

6-84 months. Terms are subject to change.

Check out our current rates here:

Auto Refinance Promotion Disclosures

* APR is Annual Percentage Rate. With approved credit and income verification. Rates are dependent on credit qualification, length of term, loan-to-value (LTV), age of vehicle, and if the vehicle is new or used. Auto Loan Payment Example: For a $10,000 loan with a 60-month term, payments at 6.69% APR would be $19.63 per $1,000.

**Rates are dependent on credit qualification, length of term, loan-to-value (LTV), age of vehicle, and if the vehicle is new or used. All loans are subject to credit approval, as well as income verification and employment verification. Rates are subject to change without notice.

0.75% refinance discount is subject to floor rates. May only be combined with the 0.25% member discount. All other discounts are not applicable. Internal refinances are subject to $150 refinance fee unless $1,500 in new money is added to the loan. By adding GAP, the member may avoid the refinance fee or new money requirement. This offer is valid for well-qualified borrowers with a 700 credit score and above. Zing Credit Union reserves the right to discontinue this offer at any time.