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Auto Refinancing

Get a lower payment and a chance to win.

Refi an auto loan with Connexus for a chance to win $1,000.*

Questions? We can help.

Competitive rates

Today’s Auto Loan 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.

Refinance and save

Auto Refinances earn a chance at $1,000!*

Ready to refi your auto loan to a lower rate? Choose Connexus for a chance to win $1,000! Refinance by September 30 for automatic entry in the $1K Giveaway.

Appy to refi See sweepstakes details
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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)

New/Used Auto Loan Refinance Rates – Cars, Trucks, SUVs and Motorcycles
Model YearTermAPR‍1 As Low AsMonthly Payment
2022 or newer24 months4.50%$43.65
36 months6.69%$30.74
48 months6.94%$23.92
60 months7.14%$19.87
72 months7.44%$17.26
84 months8.24%$15.71
2021 and older‍224 months6.74%$44.65
36 months6.99%$30.87
48 months7.24%$24.06
60 months7.49%$20.03
72 months7.74%$17.41
84 months8.49%$15.83
Accurate as of 10/27/2025

Calculators

The refinancing process

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Apply for refinancing in minutes by entering current loan and payment details

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Receive decision on your refinance in 1-4 business days‍4

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After approval, enjoy 90 days of no monthly car payments upon request‍3

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Save money with your new interest rate and lower monthly payments

Learn more about refinancing

3 Mythss 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

Is the refinancing process difficult or time-consuming?

We make refinancing as quick and easy as possible! In just four simple, stress-free steps, we’ll help you lower your rate and payment. Here’s how it works:

  • Apply online in minutes or by calling 800.845.5025 by entering your current loan and payment details
  • Get approved to refinance your loan 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 thereafter
Will I be charged any fees to refinance?
At Connexus, we don’t believe in nickel-and-diming. So when you refinance, you won’t be charged any annual fees, application fees, or prepayment penalties, and you won’t have any funds due at closing.
Why should I refinance my existing car loan?

You might refinance to get a lower interest rate or lower your monthly payment by extending your repayment term. Call 800.845.5025 or try our Auto Loan calculator to figure out how much you could save.

Can I pay off my loan quicker than the payment schedule?
Of course! There’s no prepayment penalty for paying off your loan early. Doing so will actually help you save on interest over the long run.

Disclosures

See our Fee Schedule for a list of fees you may encounter.

*Any new or existing member who applies for an Auto, Recreational, or Personal Loan from Monday, July 1, 2024, at 12:01 AM CT until Monday, September 30, 2024, at 11:59 PM CT and funds the loan by Thursday, October 31, 2024, by 11:59 PM CT will be automatically entered into Connexus Credit Union’s $1K Giveaway. Limited to one entry per funded loan. One winner will be randomly selected from eligible entries. Personal line-of-credit (Flex and FlexPlus) excluded. NO PURCHASE NECESSARY TO ENTER. SEE ALTERNATIVE ENTRY FORM METHOD FOR DETAILS.

Please see the Official Rules for complete details.

  1. 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.
  2. 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.
  3. Make no auto loan payments for up to 90 days upon request. Offer does not apply to auto loans currently financed at Connexus Credit Union. Deferred payments must be requested at the time of application, may not exceed 90 days, and are subject to credit approval. Interest begins accruing upon disbursal of loan. Some restrictions may apply.
  4. 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.