Auto Refinancing
Monthly payment too high? Time to refi.
Bring your auto loan to Connexus to start saving.
Questions? We can help.
Today’s Auto Refinancing rates
Your car. For less.
Love your car, but not what it costs you? We can help!
When you bring your auto loan to Connexus from your current lender, we don’t just lower your interest rate and monthly payment. We also treat you to 90 days of no monthly car payments upon request3.
Check out the video to learn more about our quick and easy refinancing process or click below to get started today.
Auto refinance perks
When you bring your auto loan to Connexus from another lender, you’ll walk away with much more than a lower monthly payment. In fact, we pull out all the stops to give you an experience so stellar, you’ll become a member for life. To that end, here are just a few of the exclusive perks you can take advantage of:
Lowest available rates
(Cars, Trucks, SUVs, Motorcycles)
| Model Year | Term | APR1 As Low As | Monthly Payment |
|---|---|---|---|
| 2022 or newer | 24 months | 6.99% | $671.52 |
| 36 months | 6.19% | $457.62 | |
| 48 months | 6.39% | $354.96 | |
| 60 months | 6.50% | $293.49 | |
| 72 months | 6.89% | $254.94 | |
| 84 months | 7.69% | $231.48 | |
| 2021 and older2 | 24 months | 6.29% | $666.77 |
| 36 months | 6.44% | $459.33 | |
| 48 months | 6.69% | $357.04 | |
| 60 months | 6.94% | $296.59 | |
| 72 months | 7.49% | $259.28 | |
| 84 months | 8.24% | $235.59 | |
| Accurate as of 10/27/2025 | |||
Calculators
- Does it pay to refinance? Use our calculator to see what you may save by refinancing your car loan.
- What’s my debt-to-income ratio? DTI is a factor when you apply for a new loan. Learn yours now.
The refinancing process
Apply online in minutes by entering current loan and payment details
Receive decision on your refinance in 1-4 business days4
After approval, enjoy 90 days of no monthly car payments upon request3
Save money with your new interest rate and lower monthly payments
Learn more about refinancing
3 Myths of Refinancing Your Car Loan
If you’re thinking about refinancing your car loan, but you’re unsure, we might be able to clear up some of the common myths.
5 Signs it’s Time to Refinance Your Auto Loan
Life changes, and so do financial situations. Here’s how to know when those changes mean it’s time to refinance your auto loan.
FAQs: You Asked. We Answered.
Auto Loans: Refinance
Disclosures
See our Fee Schedule for a list of fees you may encounter.
- APR = Annual Percentage Rate. All rates accurate as of 10/27/2025 and are subject to change. Rates include a 1% discount when registered for Digital Banking and subscribed to eStatements, and a 1% discount for auto-paying electronically. Loan term must be at least 24 months. Minimum loan amount is $10,000. Payments calculated on a loan amount of $15,000. Individual rates and terms may vary and include all eligible discounts. Certain restrictions apply. Offer does not apply to loans currently financed at Connexus Credit Union. Offer subject to change or termination.
- To be eligible for the lowest available rate, term length restrictions apply. Model years 2019-2021 have a maximum term of 84 months. Model years 2017-2021 have a maximum term of 72 months. Model years 2016 and older have a maximum term length of 60 months.
- Interest begins accruing upon disbursal of loan. Deferred payment available upon credit approval. Some restrictions apply. Deferred payments may not exceed 90 days. Deferment must be requested at time of application.
- Processing and approval typically is complete in one to four business days, but contingent on member’s timely submittal of all required paperwork. Delayed submittals may add time to the approval process.