Refinance
Looking to lower your payment or shorten your term? Refinancing your car is the way to go.
Apply nowCheck status
Competitive fixed rates
Know you’re getting the best deal with our competitive rates that will stay fixed for the term of your loan.
Loan amounts up to $100,000
Refinance your dream car with loan amounts up to $100,000.
Finance a 2018 model car or newer
Our auto loans allow you to purchase cars as old as the 2018 model year.
New Auto loan rates**
| Terms | APR* | Other Conditions |
|---|---|---|
| 1 – 36 Months | 4.84% | |
| 37 – 48 Months | 4.99% | |
| 49 – 60 Months | 4.99% | |
| 61 – 72 Months | 4.99% | Minimum $25,000 loan amount |
| 73 – 84 Months | 5.99% | Minimum $25,000 loan amount |
Used Auto loan rates
| Terms | APR* | Other Conditions |
|---|---|---|
| 1 – 36 Months | 5.34% | |
| 37 – 48 Months | 5.49% | |
| 49 – 60 Months | 5.49% | |
| 61 – 72 Months | 5.49% | Minimum $25,000 loan amount |
| 73 – 84 Months | 6.49% | Minimum $25,000 loan amount |
Follow your journey
Explore our other Auto loan options
Whether purchasing a new or pre-owned vehicle, we’ll get you on the road faster with the best deal in town.
- Competitive Fixed Rates
- Loan Amounts up to $100,000
- Finance a 2018 model car or newer
Sometimes life calls for a little fun! Whether on the water or open road, SkyPoint can finance your boat or Recreational Vehicle.
- Competitive Fixed Rates
- Loan Amounts up to $150,000
- Finance a 2015 model new or used
Get a car through our new credit improvement plan that is customized to you, with the goal of putting you in a reliable ride.
- Loans up to $20,000
- Terms up to 60 months
- Finance a 2018 model car or newer and up to 100,000 miles
Get started today
Apply for your loan in minutes!
* APR = Annual Percentage Rate. The APR offered for the above loans may be higher than the rate stated based on certain credit worthiness criteria. The above auto loan rates include a 0.25% discount for automatic transfer payments. If the automatic transfer payment stops, for any reason, the APR may increase to the undiscounted rate. Rates are dependent on individual qualification and are subject to change at any time without notice. Payment example: $25,000 at 7.59% APR; 84 monthly payments of approximately $378.42. Contact the credit union for full details.
** A new vehicle is eligible for a refinance with the above rates if you are the original owner, the vehicle was purchased within the last 6 months and is current (2024) or previous (2023) model year.
Resources to Help Guide You Through Life
~
Facing Tariffs, Should Shoppers Seek ‘Made in USA’ Goods?
Shoppers who are concerned about tariffs driving up the costs of their favorite products might think that “Made in USA” goods could offer...
How to Recession-Proof Your Grocery Budget: Do’s and Don’ts
Grocery bills are straining wallets across the country — and it’s no wonder. Food costs are predicted to rise 3.2% in 2025...
