Want to lower your monthly car payment? Let EECU refinance your current car loan, and you could save $131 per month1, plus hundreds—or even thousands of dollars—on interest charges over the loan’s lifespan. Plus make no payments for 90 days!

Please note: refinancing is not available for cars already financed with EECU!


Key features:

  • car loan refinance
    No application fee
  • auto cash out refinance
    No payments for 90 days*
  • car payment refinance
    100% financing available
  • Fast & Easy: Apply in 5 minutes or less
    Fast & Easy: Apply in 5 minutes or less**

* Not all members will qualify. Only members with excellent credit will qualify for the 90-day delay in the first payment. Eligibility for the 90-day deferral is also subject to EECU’s underwriting guidelines for loan-to-value and mileage. Interest will accrue during the 90-day payment deferral period.

** APR=Annual Percentage Rate. This offer is to refinance an auto loan older than 90 days and not originated by EECU. It is subject to credit approval and EECU’s lending policies. Your APR may vary based on your creditworthiness and term of the loan. EECU does not charge an application fee. Vehicle titling fees will apply and may differ depending on your county of residence. Offer and rates subject to change without notice. Other terms and conditions may apply. Membership in EECU is required – membership information available at eecu.org.

1 This information is estimated based on members whose auto refinance loans were booked with EECU between 09/01/2022 and 12/31/2022, had an existing auto loan on their credit report, and accepted their final terms. These members saved an average of $131 per month. Refinance savings may result from a lower interest rate, longer term, or both. There is no guarantee of savings. Your actual savings, if any, may vary based on interest rates, the repayment term, the amount financed, and other factors.

2 Minimum refinanced loan amount is $15,000 to qualify for the cash bonus. If the refinance is approved and booked, the cash bonus will be deposited to your share account 30 days after the loan closes. The value of the cash bonus may be reported to the IRS, and you are responsible for any federal, state, or local taxes on the cash bonus.

Lower Your Monthly
Car Payment By
(Actual savings may vary.)

Get a One-Time
Cash Bonus2 of

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Additional auto loan benefits

  • Free Online and Mobile Banking
    Free Online and Mobile Banking
  • Free Electronic Bill Pay
  • Free Online Financial Management Program

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Coverage designed to fit your needs

These optional products help protect you against the unexpected. Do you have the coverage you need? Ask us for more information!

Credit Insurance

Sometimes the unexpected happens. Credit insurance helps protect you if you can’t make your auto loan payments because of unexpected illness or injury.

Gap Insurance

Your loan amount may be larger than the value of the vehicle. GAP Insurance protects you by covering that difference, in the event of an accident.

Major Mechanical Protection

Avoid the unnecessary stress of having to cover costly repairs! Have peace of mind knowing that you're protected against future mechanical breakdowns.

Understanding auto loans

Being informed means you’re empowered to make smart financial decisions. And by making smart financial decisions, you’ll avoid common mistakes, save more, and invest better. These online courses help you better understand how auto loans work and best practices for paying off debt.

Auto Loan Literacy

Auto Resource Center

Already have an auto loan with EECU? The Auto Resource Center is where you can find common support topics, answers to frequently asked questions, and important program details.

Visit the Resource Center

Personal Loan as low as 8.99% APR*

Need a little extra cash? Or maybe you're paying too much on your credit cards? An EECU Personal Loan, with a rate as low as 8.99% APR*, could help you save thousands.

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Schedule a FREE, no obligation mortgage review today!

Love your home, but not your loan? Mortgage rates are near record lows, making this a perfect time to revisit your mortgage.

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Real members. Real stories.

Working with EECU has been fantastic! I received great customer service on my auto loan, and was helped every step of the way. I recommend EECU to all my friends and family.

Elizabeth Steinkamp
Member Since 2017

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