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Auto Refinance Program

We'll refinance your auto loan, even if you have less than perfect credit.

We want to help you save on your car loan, no matter your credit score. It's easy, and we've saved our members an average of $100 a month**.

No qualifying, just six consecutive on-time payments on your existing auto loan, and be currently employed!

  • APR: 5.74%*
  • Term: Up to 66 months
  • Good on 2017 or newer autos
  • $100,000 maximum loan amount
  • 100,000 maximum mileage
  • Must have 6 consecutive on-time monthly payment history
  • 100% financing
All you need to provide is:

  1. Proof of employment
  2. Proof of the past six months of consecutive on-time payments
  3. A smile when you find out how much we can save you!

Check how we helped one of our members save!

"MyPoint saved me over $7,800 after I refinanced my car loan with them!"


Hurry and lock in your fixed 5.74% APR* rate while they are still low.

Have questions?

*APR= Annual Percentage Rate. Rates and terms effective . Loans subject to approval. Must meet membership guidelines. Monthly payment per $1,000 borrowed for 66 months at 5.74% APR=$17.72. Calculation based on $20,000 loan for 66 months. Rate subject to change. Restrictions apply. Existing auto loans at MyPoint Credit Union are not eligible for this offer. Interest will accrue starting the date the loan is funded. If the vehicle registration is expiring within 60 days, MyPoint Credit Union will finance the registration.
**Monthly average savings are based on the average monthly payments our members experienced with their auto loan refinanced between June 10, 2021, and March 8, 2022, compared to their prior loan payments with another lender. The monthly payment reduction may result from a lower interest rate, a longer-term, or both. Your actual savings may be different.

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