Auto Refinance

Refinance your auto loan to lower your monthly payment


Get pre-approved for a new auto loan with a low rate OR refinance your current rate to lower your monthly payment.

We make auto loans simple and affordable, whether you're purchasing a new or used vehicle, or bringing a loan to us to refinance. As a not-for-profit financial institution, Key Point Credit Union offers great rates, low fees, and personalized service.

What Members are Saying

"Very good auto loan rates! I have been looking at 6+ banks and this one has the best rate and great customer service." - Bowers Branch - Hang L. 1/11/2019

Refinance your auto today!   

Rates as low as 4.99% APR1 for previous 7 model years and newer models

  • No payments for the first 90 days
  • Terms up to 84 months available
  • Skip a Pay: Move back one qualifying monthly payment, with no extra fee2
  • Maximum Loan to value based on credit worthiness and Kelly Blue Book value

1 All loans and terms are subject to credit approval. Rate shown is for 7 model years previous and newer. Higher rates apply for older vehicle approval. Rate is based on credit worthiness and other factors, and may be higher than the rate shown. Rates accurate as of 2/1/2023. Rates and terms subject to change without notice. Payment example: $43.87 per month per $1,000 borrowed at 4.99% APR for 24 months.

2 Your loan must be one year old and all of your payments must be up to date to participate in the Skip a Pay Program. All skipped payments must be made up. You may only participate in the Payment Holiday Program once every 12 months. Assuming you make only minimum payment(s), skipping payments will delay the payoff of the loan(s) and result in additional finance charges. Payments may not be skipped on any new loan. Loan must be contractually up to date as of the date of this agreement. Except for payment schedule, all terms of your loan agreement(s) remain the same. Having any accounts with a negative balance makes you ineligible for the Skip a Pay Program. Offer subject to change without notice. Certain restrictions apply.