Credit union rates make it worth trading yours in
Find My Rate Looking at our offers won't hurt your credit score.Lower your current rate
We use your information to connect you to the lowest auto lending options from credit unions nationwide so you can save with ease.
Only see loans you qualify for
We only display loan rates you already qualify for, guaranteed.
Switching is quick + hassle free
From start to finish, our easy auto refi application process takes minutes to complete. No third party and no hassle.
Credit union auto loans are just better
See for yourself...How to know if it’s time to refinance
You should refinance if:Your credit score has improved
With a better credit score, it’s likely you’ll qualify for a better financing deal, which can save you quite a bit on interest over the life of your loan.
You want a better loan rate
Loan rates are great now – but that doesn’t mean they were when you first got your car or were with the institution you financed with. Refinancing is a great way to save.
You want to change your loan term
If you want to lower your monthly payment by not just decreasing the rate, but by extending the term, refinancing is a good option.
You don’t like your current lender
If you aren’t a fan of your current lender, refinancing your auto loan with a credit union is a good way to make a change.
See what everyone's saying
“I tried MoveCU and got a quote that seemed “too good to be true,” so I called around a couple of local companies. They couldn’t compete with the quote I was getting, so I decided to give it a shot. MoveCU was great! Would use them again.”
“The rate I received from Move CU was almost half of what I was paying on the car loan I had. It saved me over $150 on my monthly payment, and they took care of transferring everything. Would definitely recommend MoveCU.”
“Great resource for comparing rates/terms from different credit unions. Can fill out an application immediately from the website after you get offers without any delay or waiting. Professional and you get to make the choice. Highly recommend.”
Common questions
We’ve put together some common questions and queries related to auto refinance and MoveCU just for you. Take a look:
Will applying to refinance my vehicle through MoveCU affect my credit?
To simply check the rates and terms you qualify for, MoveCU utilizes a "soft" credit pull. This type of pull does NOT affect your credit score. So look all you want if you are curious to see what rates and terms you are eligible for through MoveCU! However, if you do choose to move forward after finding a loan you like, there will be a hard credit pull, which is done any time you request a loan of any type from any financial institution.
What do I have to do to transfer my auto loan to the new loan?
All you have to do is fill out the application and upload the requested documents on our website. We will take care of the rest FOR you, including paying off your old lender and retitling your car. No calling your old lender. No trips to the DMV. Our goal at MoveCU is always to make it easy for you, and our auto loan refinancing is no exception.
How long will it take for my old loan to transfer to the new rate?
Though we would like this process to be immediate, it does take a little bit of time to transfer the paperwork and vehicle titles from your former institution to your new credit union. However, this process shouldn't take more than a few days.
Does MoveCU charge any fees?
MoveCU does not charge an application fee or service fee of any sort and there is no obligation if you request to see our rates. Our service is free to all applicants. However, each state imposes their own title trasfer fee, so there may be a fee related to that depending on which state you reside in. However, this fee is charged by your state, not MoveCU. We will pay the fee for you and integrate it into your final loan amount.
What will I need to refinance my auto loan?
Each lender has different requirements, but for the majority, you will be asked for your driver's license, vehicle registration, and proof of insurance - all of which can easily and efficiently be uploaded to our application via our document uploader.
Read more on our FAQ page.
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From start to finish our application process only takes minutes
Find My RateMoveCU utilizes what is called a "soft inquiry" to access and approve you based on your credit report. This allows you to compare offers without affecting your credit score, which will remain unaffected unless you accept an offer.
*Source: Rates as of May 3, 2023 from NCUA.gov. APR = Annual Percentage Rate. MoveCU.com rates are based on the lowest rates available through our organization. The rate you qualify for may be higher than the rate that is shown. All loan rates are considered on an annual basis. Additional conditions may apply.