Map out a Lower Auto Rate
Refinance your vehicle loan here
Calculate your auto refinance payment¹
Today's Rate
New & Used Auto Loans
As low as
Why refinance your auto loan?
Consider refinancing if you:- Have improved your credit score.
- Want a lower payment or interest rate.
- Are experiencing financial hardship.
- Want to pay off your loan faster.
- Need to remove a cosigner.
Mountain America auto loans feature:
- No application fees
- Terms up to 6 years⁶
- Rewards points and rates as low as % APR (OAC) with MyStyle® Checking
Auto loan refinance calculator
See if you could save money on your monthly payment using our free auto refinance calculator.
Apply now
What happens when I refinance?
- Mountain America will collect documents like your ID, proof of insurance and current loan information.
- We’ll review your credit history and process your application.
- Once you’re approved, we’ll pay off your old loan, and you’ll begin making your new monthly payments.
Get your low-rate new or used auto loan
Apply online or at a local branch. Or ask for Mountain America financing at the dealership.Apply online
Auto loan refinance FAQs
What is auto loan refinancing?
When you refinance your auto loan, the lender will pay off and close out your old loan. Your balance will then be transferred to a new loan which allows you to change the interest rate, monthly payment and/or term.
Do I need to be a Mountain America Credit Union member to get my auto loan refinanced?
You don’t need to be a member to start an application. However, you’ll need to qualify for membership to complete the process.
What is a good interest rate on a car?
Rates will vary and depend on several factors related to your financial history, loan amount and term. Your credit score, income and debts will be assessed to determine the interest rate you receive. Check our rates page for current rates.
Does refinancing a car cost money?
No, Mountain America does not charge any fees to refinance.
- Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
- Annual percentage rate. Loans on approved credit. Actual APR based on credit worthiness. See current rates and terms. Membership required–based on eligibility. Advertised rate includes 0.25% discount for MyStyle Checking.
