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Auto Loan Refinancing in Michigan
Get $100 Gas Card and Go 60 Days Without a Payment!
Refinance your auto loan from another lender to Christian Financial and cruise into the benefits of: | $100 gas card | 60 days no payments | Great Rates!
How much can I save refinancing my car?
Compare Your Loan Savings
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
Gas Prices Are Up. It's Time to Gas and Go with Christian Financial.
Switch your auto loan to CFCU and enjoy rewards that go the extra mile. When you refinance, you can score a $100 gas card, take advantage of 60 months with no payments, and lock in low, competitive rates. It’s an easy way to save money now and lower your monthly payment later.
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.
Auto Refinance Calculator
Should I refinance my auto loan at a lower rate?
*Interest will still accrue during the 60 days even when no payment is due. 60 Days No Payments valid through July 31, 2026. Must be a refinance from another lender. $100 gas gift card is a prepaid Christian Financial Credit Union gift card or cash deposit to the member's account that may be used towards fuel. Minimum loan amount: $10,000. Go to: christianfinancialcu.com/gas-and-go for full details on this limited time offer.
**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.
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
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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Reviews
Don't take our word for it!
“I recently applied for an auto loan and was approved. This credit union made the process easier without all the hassle at other financial institutions. The MOST important thing about CFCU is that they believe in their members and don’t focus on past credit mistakes.”
“I purchased a new car recently and Christian Financial had the best loan rates. The entire loan experience was first class. Loan officer was prompt, communicated plenty with me and the entire process was great. Clean, well designed bank centers with very nice staff – fully impressed.
“CFCU has very competitive loan rates and great customer service, and their financial services representatives are very friendly!”
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