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Auto Loan Refinance in Michigan
Lower Your Auto Payment
Refinance your auto loan with rates as low as 4.74% APR*. See what your new monthly payment could be in under a minute.
✅ No obligation
✅ Takes under 30 seconds
✅ Checking your options won’t impact your credit
Auto Loans '22 - '26
Rates valid for New & Used Autos (Model years 2022-2026)
Term |
APR*
as low as |
|---|---|
| 12 - 60 months | 4.74% |
| 61 - 75 months | $15,000 & over | 5.24% |
| 76 - 84 months | $30,000 & over | 5.49% |
*APR = Annual Percentage Rate. Rates shown are the best available, are based on credit history, are available only on loans not already financed with Christian Financial and subject to change without notice. Rates listed are based on automatic loan payment. For example, for a loan of $20,000 at 60 months with an interest rate of 4.74% APR, the payment will be $375.05. Loans requested for more than 105% of collateral value may be subject to a higher rate of interest. Members refinancing existing Christian Financial Credit Union loans are subject to a higher rate of interest. Please see a Christian Financial Service Representative for full details.
How much can I save refinancing my car?
See What a Lower Rate Could Save You
Sample Loan Scenario:**
Loan Amount: $25,000
Loan Term: 60 months
CFCU’s Rate at 4.74% APR*
Estimated Payment: $468.81/month
Total Interest Paid over the life of the loan:
$3,128.60
Total Interest Savings Over the Life of the Loan:
$1,573.20!
Other Lenders: Average of 7.00% APR
Estimated Payment: $495.03/month
Total Interest Paid over the life of the loan:
$4,701.80
Auto Refinance Calculator
Should I refinance my auto loan at a lower rate?
Car Loan Extra Features
Gas up your new loan with these to get even more from your relationship with us.
Apply Online
Apply online, in 5 minutes or less!
Set it & Forget It
Set up automatic loan payment and save on your rate!
Skip the Trip
Close on your loan digitally through Docusign.
Life Happens
Protect your loan in cases of mechanical failure, a total loss, personal disability, hospitalization and job loss.
Make Payments with Ease
Make a loan payment easily through Digital Banking, even from other banks.
Auto Loan Related Products
Mechanical Repair Coverage
Mechanical Repair Coverage may help limit the cost of covered repairs – and protect your finances.
GAP Plus with Deductible Assistance
Don’t let a total loss become a financial loss, learn more about GAP Plus with Deductible Assistance.
TruStage Auto Insurance
Your credit union membership could result in some nice savings with our partner TruStage. They offer discounted rates exclusively for credit union members, with online services, and 24/7 claims service. Get your free quote today or call 1-855-483-2149.
**APR = Annual Percentage Rate. Rates shown are the best available, are based on credit history, are available only on loans not already financed with Christian Financial, and are subject to change without notice. Rates listed are based on automatic loan payment. For example, for a loan of $25,000 at 60 months with an interest rate of 4.74% APR, the payment will be $468.81. Loans requested for more than 105% of collateral value may be subject to a higher rate of interest. Members refinancing existing Christian Financial Credit Union loans are subject to a higher rate of interest. Please see a Christian Financial Service Representative for full details.
***Note: This comparison is for informational purposes only and is not a guarantee of actual payments or savings. The 4.74% APR rate shown reflects a Christian Financial example rate, while the 7.00% APR rate represents an average refinance rate of a used car sourced from NerdWallet. Your individual loan terms, interest rate, and monthly payment may vary based on your creditworthiness, loan amount, and other factors. The figures shown are an example of potential savings over the life of the loan.
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