Refinance your Auto Loan
At Oregon State Credit Union
Save more every month when you refinance your auto loan to a rate as low as 5.44% APR — plus, get 1% cash back* for a limited time!
Have an EV or Hybrid? See your rate discount ↓
Benefits of Refinancing
Why refinance your Auto Loan with OSCU?
Whether you’re already a member or new to OSCU and looking for a better lending experience, we’re here to help you get more from your auto loan.
If your credit score has improved, your current monthly payment is too high, or you just need some extra cash — now might be the perfect time to refinance and take advantage of our limited-time 1% cash back* offer.
Special offer savings
- 1% cash back* on your funded loan amount when you refinance, with no caps or limits
- Lower monthly payment, with rates as low as 5.44% APR — your savings will thank you
- Extra discount for qualifying EV and Hybrid loans — with rates as low as 4.94% APR
Quick and easy process
- No payments for 90 days** for qualified applicants
- Up to 100% financing available to qualified buyers
- Enjoy local underwriting and faster loan decisions
- Friendly, local service — we got you!
Your refinanced Auto Loan, explained
*Offer effective 09/01/2026 through 12/18/2026. Offer valid only on auto loans refinanced from another financial institution. Existing Oregon State Credit Union auto loans are not eligible. Eligible loans must be funded by 12/18/2026. Limit one cash back offer per vehicle. Cash back equals 1% of the funded loan amount with no maximum payout limit. Member must maintain an Oregon State Credit Union share account to receive the cash back, which will be deposited to the share account on or about 01/15/2027. To receive the cash back, the refinanced loan must remain open with a balance and not be past due on the payment date. Subject to credit approval, membership eligibility, underwriting requirements, vehicle qualification requirements, and collateral guidelines. Payment deferral options are available only to qualified applicants; interest accrues during any payment deferral period. Rates, terms, conditions, restrictions, and promotional offers are subject to change without notice.
**Interest accrues during the payment deferral period. Deferral available to qualified applicants only.
These examples show expected monthly loan payments for members who qualify for the prime rate, premier member merit status, and enroll in automatic monthly payments.
| Loan amount | Repayment length | Rate | Monthly payment | Promotional cash back amount |
|---|---|---|---|---|
| $10,000 for a new auto loan | 60 months | 5.44% APR | $191.90 | $100 |
| $20,000 for a used auto loan | 84 months | 6.93% APR | $303.65 | $200 |
| $40,000 for a new auto loan | 96 months | 7.43% APR | $559.06 | $400 |
If you delete your automatic payment request, or the credit union terminates your automatic payment request due to insufficient available funds, this interest rate may be increased by one-quarter of one percent (0.25%) for the remaining term of the loan. This rate change will be reflected on your credit union statement.
We may offer other rates in the future. We may be able to match rates from other lenders. All loans are subject to approval.
Effective date
Wednesday, September 9, 2026
| Vehicle Type | APR (Low)* | APR (High) | Repayment Terms |
|---|---|---|---|
| New auto loans | |||
| New auto (2025 – 2027) | 5.44% | 17.04% | Up to 72 months |
| New auto (2025 – 2027) | 5.44% | 17.78% | 73-84 months |
| New auto (2025 – 2027) | 7.43% | 17.53% | 85-96 months |
| Used auto loans | |||
| Used auto (2011 – 2024) | 5.94% | 17.53% | Up to 72 months |
| Used auto (2011 – 2024) | 6.93% | 17.79% | 73-84 months |
| Used auto (2011 – 2024) | 7.68% | 12.53% | 85-96 months |
* APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. | |||
Auto Loan Rates
New auto loans
New auto (2025 – 2027)
New auto (2025 – 2027)
New auto (2025 – 2027)
Used auto loans
Used auto (2011 – 2024)
Used auto (2011 – 2024)
Used auto (2011 – 2024)
* APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Car and truck loans with competitive rates and flexible terms help you get the vehicle you need. Reduced rates available for auto payment or Member Merits, depending on your credit and the amount financed.
Effective date
Wednesday, September 9, 2026
| Vehicle Type | APR (Low)* | APR (High) | Repayment Terms |
|---|---|---|---|
| New EV auto loans | |||
| New EV auto (2025 – 2027) | 4.94% | 16.54% | Up to 72 months |
| New EV auto (2025 – 2027) | 4.94% | 17.28% | 73-84 months |
| New EV auto (2025 – 2027) | 6.93% | 17.03% | 85-96 months |
| Used EV auto loans | |||
| Used EV auto (2011 – 2024) | 5.44% | 17.03% | Up to 72 months |
| Used EV auto (2011 – 2024) | 6.43% | 17.29% | 73-84 months |
| Used EV auto (2011 – 2024) | 7.18% | 12.03% | 85-96 months |
| New Hybrid auto loans | |||
| New hybrid auto (2025 – 2027) | 5.19% | 16.79% | Up to 72 months |
| New hybrid auto (2025 – 2027) | 5.19% | 17.53% | 73-84 months |
| New hybrid auto (2025 – 2027) | 7.18% | 17.28% | 85-96 months |
| Used Hybrid auto loans | |||
| Used hybrid auto (2011 – 2024) | 5.69% | 17.28% | Up to 72 months |
| Used hybrid auto (2011 – 2024) | 6.68% | 17.54% | 73-84 months |
| Used hybrid auto (2011 – 2024) | 7.43% | 12.28% | 85-96 months |
* APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change. | |||
EV and Hybrid Auto Loan Rates
New EV auto loans
New EV auto (2025 – 2027)
New EV auto (2025 – 2027)
New EV auto (2025 – 2027)
Used EV auto loans
Used EV auto (2011 – 2024)
Used EV auto (2011 – 2024)
Used EV auto (2011 – 2024)
New Hybrid auto loans
New hybrid auto (2025 – 2027)
New hybrid auto (2025 – 2027)
New hybrid auto (2025 – 2027)
Used Hybrid auto loans
Used hybrid auto (2011 – 2024)
Used hybrid auto (2011 – 2024)
Used hybrid auto (2011 – 2024)
* APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Vehicle refinance calculator*
Use our vehicle refinance calculator to help you decide if it would be worth it for you to refinance your auto loan.
*Interactive calculators are made available as self-help tools for your independent use and are not intended to provide financial advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance matters.
Financial Education Center
Does it makes sense to refinance your car loan?
