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Auto Loan Refinance in Michigan

Lower Your Auto Payment

Refinance your auto loan with rates as low as 3.99% 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 '23 - '27

Rates valid for New & Used Autos (Model years 2023-2027)

Term
APR*
as low as
12 - 36 months* Limited-Time Offer 3.99%
37 - 60 months 4.99%
61 - 75 months | $15,000 & over 5.49%
76 - 84 months | $30,000 & over 5.74%

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 36 months with an interest rate of 3.99% APR, the payment will be $590.22. 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.

 

Auto Refinance Calculator

Should I refinance my auto loan at a lower rate?

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Calculator results are estimates based on information you provide and Christian Financial does not guarantee your ability to receive these terms. Contact us for full terms and conditions.

Apply for an Auto Loan

Ready to apply for auto financing? Start your application now, even if you are not yet a member.

A Lower Rate Could Mean a Lower Payment

Refinancing your auto loan could help you save on your monthly payment or reduce the interest you pay over time.

✅ Rates as low as 3.99% APR*
✅ Flexible terms
✅ Fast online application
✅ No obligation to check your options

Car Loan Extra Features

Gas up your new loan with these to get even more from your relationship with us.

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Apply Online

Apply online, in 5 minutes or less!

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Set it & Forget It

Set up automatic loan payment and save on your rate!

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Skip the Trip

Close on your loan digitally through Docusign.

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Life Happens

Protect your loan in cases of mechanical failure, a total loss, personal disability, hospitalization and job loss.

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Make Payments with Ease

Make a loan payment easily through Digital Banking, even from other banks.

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Auto Loan Related Products

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Mechanical Repair Coverage

Mechanical Repair Coverage may help limit the cost of covered repairs – and protect your finances.

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GAP Plus with Deductible Assistance

Don’t let a total loss become a financial loss, learn more about GAP Plus with Deductible Assistance.

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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.

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Ready to Lower Your Payment?

Apply for auto refinancing online and see what a lower rate could mean for your monthly budget.

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*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 36 months with an interest rate of 3.99% APR, the payment will be $590.22. 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.