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Credit Union Auto Refinance

Refinance and get up to a $500 cash rebate.

Looking for a better auto refinance offer? Reduce your interest rate and decrease your monthly payment with BayPort Credit Union.

Use promo code AUTO500

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Why refinance your car loan?

One of the best reasons to refinance your car is getting an opportunity to reduce your interest rate and monthly payment. If you previously had no credit or bad credit, it's worth checking into auto refinancing after a couple of years to see if you can get a better offer. Decreasing your monthly car payments frees up cash for other expenses—and we could all use a budget with more breathing room!

"Refinancing your auto loan can help you access new payment options that better fit your needs. Whether your credit has improved, interest rates have gone down or you’ve found a lender who can offer you better terms, it might be the time to refinance."

—Credit Karma

BayPort Credit Union Auto Refinancing

Get a better offer that fits your budget.

Check for savings and choose an offer that best fits your current financial goals. We've helped thousands of our members refinance their cars.

Reduced interest rate

Lower monthly payments

Financing terms up to 84 months

Up to $500 cash rebate (1% of your auto refinance amount up to $50,000)

 Reasons to Refinance Your Car Loan

When should you refinance?

Interest Rates Dropped

Your Credit Score Improved

You Didn't Get the Best Offer

Rates change regularly, so it's possible rates have fallen since you took out your original auto loan.

A better score could qualify you for a lower interest rate and APR. (Psst! BayPort members get free access to their score and full credit report.)

Even if rates haven’t dropped or your credit hasn’t improved significantly, it may be worth shopping around for better auto loan terms.

Financial Situation Changed

To Gain Extra Cash Flow

Unhappy with Your Lender

A budget change can make a lower car payment your top priority. Even if you’re not able to secure a lower rate, refinancing your car for a longer repayment period can reduce your monthly payment.

If you've been paying on your car for a few years, you likely have positive equity. Auto refinancing can give you more cash flow to pay off higher-rate debts like your credit card.

Many people choose to refinance their car loans because they don't like the way their current auto financing lender does business. You don't have to continue accepting poor customer service.

⭐ ⭐ ⭐ ⭐ ⭐

"I love this bank! They helped my husband, my son, and myself build our credit. Great group of people..."

– Mel T.

Apply for an Auto Refinance Loan

Claim your refinance rebate.

Get your rebate started and see how much you'll save with BayPort Credit Union! Tell us about yourself and your vehicle to start your online application.

Use promo code AUTO500

Membership eligibility required. Credit restrictions apply.


This credit union is federally insured by the National Credit Union Administration.

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