A woman smiles behind the steering wheel of a vehicle.

Auto Loan Refinancing

Love your car? Hate your payment? We may be able to help you love both.

like a mortgage, you can also refinance an auto loan.

Rates have declined. If you financed your loan when rates were higher, you might want to consider refinancing your loan from another lender with us. We may be able to lower your payment and help you fall back in love with your car.
  • 100% financing available
  • Flexible repayment plans of up to 84 months*
  • Online application and fast loan processing

Plus - get up to $500 cash back! 

Depending on how much you need to borrow, you could earn up to $500** cash back. Check the chart below to see how much you could get back.
Loan Amount Cash Back
$5,000.00 - $9,999.99 $100
$10,000.00 - $19,999.99 $150
$20,000.00 – $29,999.99 $200
$30,000.00 - $39,999.99 $350
$40,000.00 and up $500
Check Auto Loan Rates          

All loans subject to approval.
*Payment example: For a $20,000 loan for 63 months with a 6.49% APR, the monthly payment will be $375.40.
**Cash back between $50 and $500 based on loan amount. All loans subject to approval. Eligibility and other requirements apply. Offer not eligible for existing Commonwealth Credit Union auto loans. Contact us for details. IRS considers bonus monies reportable interest income.

Protect yourself down the road


We offer this warranty so you can protect various parts of your vehicle beyond your manufacturer's warranty. It's an affordable way to reduce the expense of big-ticket repairs as your vehicle ages. Ask us about adding the Route 66 Warranty to your loan.

It can be hard to find the best car insurance. That's why we work with Liberty Mutual to offer cost-effective coverage that's easy to get to and easy to understand.


Depreciation Protection kicks in if your vehicle is ever totaled or stolen and not recovered at anytime over the life of the loan. It waives some or all of your loan balance in the event of the total loss of your vehicle. As about adding it to your loan. 

Guaranteed Asset Protection (GAP), is a voluntary, non-insurance program. It protects the "gap" between the vehicle's value and the amount you still owe on your loan if your vehicle is stolen or totaled. Ask about adding it at your loan closing.

Submit proof of insurance
Make sure you're insurance company has Commonwealth Credit Union listed as a lien holder on your insurance policy. If your insurance changes, be sure to let us know.