Refinance Your Auto Loan

Whether you're looking to lower your monthly payment, reduce your interest rate, or adjust your loan term, refinancing your current auto loan with Oklahoma Central Credit Union could help you save money.

Competitive refinance rates for qualified borrowers
Fast pre-approval and simple online application
No payments for up to 90 days

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Why Refinance Your Auto Loan?

Auto loan refinancing could help lower your monthly payment, reduce your interest rate, and put more money back into your budget.

Lower Monthly Payments

Refinancing could help reduce your monthly payment and free up extra room in your budget.

Lower Your Interest Rate

A lower interest rate could help you save money over the life of your auto loan.

Adjust Your Loan Term

Choose a loan term that better fits your budget and supports your long-term financial goals.

Auto Refinance Rates

We offer competitive auto refinance rates designed to help you save money over the life of your loan.

Loan Type

Rates

Vehicle 2025-2027

As low as 4.49% APR*

Vehicle 2023-2024

As low as 4.49% APR¹

Vehicle 2021-2022

As low as 5.69% APR²

Vehicle 2017-2020

As low as 7.99% APR³

Vehicle 2016 & Older

As low as 9.99% APR⁴

Ready to Refinance Your Auto Loan?

Apply online in just minutes and see how much you could save.

Apply Now

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Helpful Tools and Resources

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Auto Loans

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Frequently Asked Questions

How does auto loan refinancing work?

Auto loan refinancing replaces your current vehicle loan with a new loan that may offer a lower interest rate, lower monthly payment, or different loan term. Many borrowers refinance to save money, adjust their payment, or take advantage of improved credit.

How do I know if refinancing my auto loan is right for me?

Refinancing may be a good option if interest rates have decreased, your credit score has improved, or you're looking to lower your monthly payment, reduce your interest rate, or adjust your loan term to better fit your budget.

Can refinancing lower my monthly payment?

Yes. Refinancing could help lower your monthly payment by reducing your interest rate or extending your loan term.

Will refinancing affect my credit score?

Refinancing may result in a temporary credit inquiry, but many borrowers refinance to improve their overall financial situation or reduce monthly expenses.

How long does the auto loan refinancing process take?

Application and approval times can vary, but many refinance applications are reviewed quickly during normal business hours.

Can I refinance a vehicle I recently purchased?

Yes. Depending on your current loan and financial situation, you may be able to refinance a recently purchased vehicle.

Do I need to refinance the full remaining balance of my loan?

In most cases, refinancing involves paying off the remaining balance of your current auto loan with a new loan.

Can I refinance my vehicle if I owe more than it’s worth?

Refinancing options may still be available depending on your loan balance, vehicle value, and financial situation.

Are there fees associated with refinancing an auto loan?

Fees and requirements can vary depending on the loan and title transfer process. Our team can help walk you through the details during the application process.

^*APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 03/02/26 and 60-month financing. A $10,000 loan at 4.49% APR, with 60 monthly payments, will be $186 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change.

¹APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 03/02/26 and 60-month financing. A $10,000 loan at 4.49% APR, with 60 monthly payments, will be $186 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change.

²APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 03/02/26 and 60-month financing. A $10,000 loan at 5.69% APR, with 60 monthly payments, will be $192 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change.

³APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 03/02/26 and 60-month financing. A $10,000 loan at 7.99% APR, with 60 monthly payments, will be $203 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change.

⁴APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 03/02/26 and 60-month financing. A $10,000 loan at 9.99% APR, with 60 monthly payments, will be $212 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change.