Mother and daughter smiling at each other through the windows of a red SUV.

Auto Loan Refinance

Your current auto loan could be costing you more than it should. With rates as low as 5.25% APR, our flexible and affordable auto loan refinancing may help you secure a lower rate, improve your loan terms and keep more money in your pocket each month. Apply for an auto loan refi today and get a payment that better fits your budget.¹

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Auto Loan Refinance Benefits

An auto loan refinance may help you improve your loan terms, lower borrowing costs and create more flexibility in your monthly budget. That means more money to spend on the moments that matter most, from family adventures to weekend plans.

Competitive Rates

With some of the lowest rates in AZ, you may lower your monthly payment and reduce the total amount of interest you pay.

Flexible Terms

Choose the repayment option that best fits your budget and financial goals with flexible terms ranging from 12 to 84 months.

Make No Payments for 60 Days²

Skip payments for up to 60 days to give your budget some breathing room after refinancing.

Fast & Simple Online Application

Apply for auto loan refinancing in minutes from anywhere, anytime.

Woman standing by a car using a mobile device.

Auto Loan Refinance Rates

We believe in transparent lending. While rates, terms and conditions are subject to change, this table provides a general overview of our lowest available rates by credit tier.

See below for more info on how to read this chart and for definitions of key terms.

Auto Loan Refinance Rates by Credit Score

LTV	60 Month Term	72 Month Term	84* Month Term
≤90% LTV	5.25%	5.55%	6.00%
≤105% LTV	5.60%	5.90%	6.35%
≤120% LTV	5.85%	6.15%	6.60%

Rates are effective as of July 20, 2026

LTV	60 Month Term	72 Month Term	84* Month Term
≤90%	5.65%	5.95%	6.40%
≤105%	6.00%	6.30%	6.75%
≤120%	6.25%	6.55%	7.00%

Rates are effective as of July 20, 2026

LTV	60 Month Term	72 Month Term	84* Month Term
≤90%	6.25%	6.55%	7.00%
≤105%	6.60%	6.90%	7.35%
≤120%	6.85%	7.15%	7.60%

Rates are effective as of July 20, 2026

LTV	60 Month Term	72 Month Term	84* Month Term
≤90%	7.25%	7.65%	8.30%
≤105%	7.60%	8.00%	8.65%
≤120%	8.10%	8.50%	9.15%

Rates are effective as of July 20, 2026

LTV	60 Month Term	72 Month Term	84* Month Term
≤90%	8.75%	9.35%	10.30%
≤105%	9.15%	9.70%	10.65%

Rates are effective as of July 20, 2026

LTV	60 Month Term
≤90%	11.75%
≤105%	12.10%

Rates are effective as of July 20, 2026

*84-month term for used vehicles is subject to Copper State CU approval

More Info:

🚗 Rates shown are for vehicles 5 years old or newer. For vehicles older than 5 years, those with high mileage or those affected by other factors, rates will be higher.

⚖️ LTV is your Loan-to-Value Ratio, which compares the amount you're borrowing to the value of the collateral. The lower the better!

📅 Loan Term is the length of time you'll repay the loan, usually expressed in months.

📈 Credit Score is a number between 300 and 850 that reflects your ability to repay a loan. Find out more about credit score's five key factors, or log into online banking to check your current score.

Why Refinance Your Car With Copper State CU?

Our auto loan refinancing¹ options are designed for convenience, flexibility and affordability. Features include:

Competitive rates amongst the lowest in AZ
Flexible terms up to 84 months
Zero to no fees

If you’re refinancing from another institution, you can also enjoy these exclusive offers:

Make no payments for 60 days:² Enjoy a smoother transition into your new loan with 60 days before your first payment, giving you more flexibility.
Financing with 1% cash back:³ Get 1% of your new loan back into your pocket.

Family driving in a car.

Is Refinancing Your Car A Good Idea?

A credit union auto loan refinance may be a good idea if you can qualify for a lower annual percentage rate (APR). It may reduce your monthly loan payment, change your repayment term or help you save money on interest over the life of the loan.

Woman sitting in the driver's seat of a car.

Answers To Some Frequently Asked Questions

Is it best to refinance your car with a credit union?: A credit union may offer lower interest rates and more flexible terms than a bank. You may also receive more personalized service and support throughout the refinancing process.

How soon can you refinance a car with a credit union?: Great question! There is no specific waiting period. You can generally consider refinancing as long as the vehicle is registered and meets lending guidelines.

Can I apply for my auto loan refinance online?: Yes! At Copper State Credit Union, you can complete your auto loan refinance application anytime using our secure online application. The process only takes a few minutes and you can apply whenever it’s most convenient for you. In most cases, you’ll receive a decision within 2 business days.

Does an auto refinance affect my credit score?: A hard credit check will be performed when you apply for auto refinancing. A hard credit check will impact your credit score, lowering it for a few months. However, the dip is usually temporary and your score may improve over time with consistent, on-time monthly payments.

Can I refinance through a credit union if my current loan is with a bank?: Yes. You can refinance your auto loan through a credit union even if your current loan is with a bank, dealership or another lender. If approved, the credit union pays off your existing auto loan, and you start making payments on the new loan.

Can I add or remove a co-borrower during refinancing?: Yes. The new loan is created using the updated borrower information and is subject to credit approval, based on the financial information provided in the loan application.

Can I refinance a used car?: Yes. You can refinance used vehicles, although lender offers depend on the model year, mileage, condition and current loan balance.

Can I refinance if I’m self-employed?: Yes. You can refinance an auto loan if you’re self-employed, although you may need to provide additional documentation to verify your income. You may be asked to provide tax returns, bank statements, savings accounts or profit-and-loss statements.

Disclosure

¹All loans subject to approval. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Membership is required. APR = Annual Percentage Rate.

For a 72 month term, the amount financed must equal or exceed $15,000. For an 84 month term, the amount financed must equal or exceed $25,000. Refinanced auto loans must be from another financial institution. Rates listed are the lowest and highest annual percentage rates available. Actual APRs and term depend on credit history, type of product and our underwriting standards. For each loan request, Copper State CU will determine the LTV (Loan to Value) using MSRP for new vehicles and Kelley Blue Book retail for used vehicles.

²60 Day No Payments offer subject to change without notice.

³The 1% cash back promotional incentive applies to vehicle purchases or refinances. The minimum financed by Copper State Credit Union must be greater than or equal to $15,000 to qualify for the promotional incentive. Any earned promotional incentive will be reported to the IRS for tax purposes and will be deposited into the member’s primary share account. Promotion ends December 31, 2026. Restrictions may apply. Offer subject to change without notice.