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 3 months

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.

Wallet with cash representing lower monthly auto loan payments.

Lower Monthly Payments 

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

Auto Refinance - Lower Your Interest Rate Icon 1

Lower Your Interest Rate

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

Auto Refinance - Adjust Your Loan Term Icon

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 (as low as)

Vehicle 2025-2027

4.99% APR*

Vehicle 2023-2024

4.99% APR1

Vehicle 2021-2022

5.69% APR2

Vehicle 2017-2020

7.99% APR3

Vehicle 2016 & Older

9.99% APR4

Vehicle 2025-2027

Rates (as low as)

4.99% APR*

Vehicle 2023-2024

Rates (as low as)

4.99% APR1

Vehicle 2021-2022

Rates (as low as)

5.69% APR2

Vehicle 2017-2020

Rates (as low as)

7.99% APR3

Vehicle 2016 & Older

Rates (as low as)

9.99% APR4

Ready to Refinance Your Auto Loan?

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

<p>Refinance Now</p>

Helpful Tools and Resources

Explore tools and resources to help you compare financing options and estimate your monthly payment. 

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Auto Loan Calculator

Estimate your monthly payment and explore different loan scenarios.

Calculate Your Payment

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Compare Financing Options

See how dealer financing compares to credit union financing with our payment comparison tool.

Compare Options

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Auto Loans

Explore financing options for new and used vehicles with competitive rates and flexible terms.

View Auto Loans

Frequently Asked Questions

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.

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. 

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

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

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

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

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

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

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 10/02/26 and 60-month financing. A $10,000 loan at 4.99% APR, with 60 monthly payments, will be $189 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 10/02/26 and 60-month financing. A $10,000 loan at 4.99% APR, with 60 monthly payments, will be $189 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 10/01/26 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 10/01/26 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 10/01/26 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.