Easily refinance a truck or car with lower payments
The Smart Way to Auto Refinance
Loan rates can fluctuate over time
- Reduce your current interest rate
- Lower your monthly vehicle payment
- Adjust your loan term if needed
Making auto refinance easier
Auto refinance loans FAQs
- What types of auto refinance loans are available?
We can refinance most types of vehicle loans. We can refinance your loan if you have new or used car finance, a truck, an SUV, or an RV. We even refinance motorcycle and ATV loans.
- How do I apply to refinance truck, auto, or other loans?
At One Nevada Credit Union, we believe that refinancing should be as easy as possible. We have a simple 3-step application that you can start online right now. You can start saving in no time.
- How much will I save with an auto refinance?
The amount you can save will vary depending on the balance left on the loan, your original loan term and interest rate, and how much you want to reduce your monthly payment. Use our refinance calculator to learn more.
- Can I refinance a vehicle that I just purchased?
In most cases, you must wait at least six months after buying a vehicle to apply to refinance it. If you have more questions, contact one of One Nevada’s trusted loan officers for more specific answers.
- How does credit union auto refinance save me money?
You can save money on your auto loan with a refinance in two ways. First, you can lower your monthly payment for instant savings. Second, you can reduce your interest rate, paying off your car for less.
- All rates are Annual Percentage Rates and are accurate as of the publication date. All loans are subject to credit approval. Auto loan rates are determined by individual credit standing, collateral age, collateral value, and loan term. Other conditions and terms may apply; ask for details.
- The actual rate is subject to credit approval, credit history, collateral value, and loan term. Refinancing is not available on existing ONCU auto loans.
- First loan payment deferred for up to 90 days with interest accruing on the loan date. Property/casualty insurance is underwritten by selected One Nevada Insurance Services carriers, not NCUA insured. APRs can increase after the loan consummation if the loan terms allow an APR to increase.