Drive Your Car. Ditch Your Old Lender.
Your Auto Loan Rate, Up to 1% Lower
You could save hundreds!
Lower your rate and reduce what you pay overtime.
Same car. Better rate.
Keep your car and refinance your existing loan.
Less stress, more control
A simple process without complications.
Reset your rate by up to 1%
Give your auto loan a smarter upgrade with our Rate Reset. Bring your current loan from another lender and we'll lower your rate by up to 1%, helping you reduce your monthly payment without changing your ride. It's a simple way to refinance, save more, and keep moving forward with a loan that works harder for you.
Start With Your Rate, Then Subtract Up To 1%
Monthly Payment
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1
Complete an application
It takes only minutes to fill out an online application.
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2
Get approved
We'll crunch the numbers and let you know if you're approved for refinancing.
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3
Keep the car you love
Once approved, we'll get you into a lower rate quickly and smoothly.
Why choose us?
When you join SCCU, it's the start of something new. You can trust our ability to provide quality financial products and services that are proven with our 90-year legacy. With us, you are not just another number, you are an individual.
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Disclosures
Federally insured by NCUA.
Offer valid on loans refinanced from lenders outside Superior Choice Credit Union. Save up to 1.00% APR (0.75% rate reduction plus 0.25% Auto Pay discount). Floor rate 3.99% APR on auto loans. Limited-time offer ends 07/31/2026. Subject to change without notice. All loans subject to credit approval and underwriting standards. Membership required. Terms and conditions apply.
Auto Rates
| Up to 125% MSRP including taxes, license, warranties, and all other adds | APR as low as¹ |
|---|---|
| New vehicles (next, current, and prior year) | 3.74%² |
| Used vehicles 2 years to under 4 years old | 4.74%² |
| Used vehicles 4 years to under 7 years old | 5.74% |
| Used vehicles 7 years to under 10 years old | 6.74% |
¹APR = Annual Percentage Rate. Rates effective as of 3/10/2025 and are subject to change at any time without notice. The rate posted is the lowest possible rate and may vary depending on past credit history, down payment, and approximate term. Posted rates are for loans with 36 month terms. Membership eligibility is required. Terms and conditions apply. All loans are subject to approval. For a $30,000 loan for a term of 36 months with a 6.74% APR, the monthly payment will be $923. ²Promo rate for A+ Tier and 80% LTV or better only, max collateral age 4 years and max mileage of 100,000
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