Refinance your auto loan
See how much you could save in minutes-online or at a branch.
If you already have an auto loan, refinancing could help you save money, reduce your monthly payment, or pay off your loan faster. At OnPoint, we make it simple to explore your options and see what’s possible—without pressure.
Lower your rate
We may be able to beat your current APR1 and help you save over the life of your loan.
Reduce your monthly payment.
Free up room in your budget with a lower monthly payment.
Fast and simple process.
Apply online or visit a branch and get a decision in minutes.
Local support when you need it.
Our team is here to help every step of the way.
See how much you could save.
We may be able to beat your current rate.2
Already have a good rate? Bring it to us. We’ll review your loan and see if we can offer something better.
A better rate could be closer than you think.
Our Auto Beat Rate approach is simple—we look at your current loan and explore opportunities to improve it. Even if we can’t beat your rate, we’ll help you understand your options so you can make the best decision.
Apply onlineFind a branch near you
Additional auto loan rate info
2023 & Newer Auto Loans (Cars, trucks & vans)
36 - 60 months | 72 months | 84 months | 96 months | |
|---|---|---|---|---|
Annual percentage rate (fixed)* | 36 - 60 months 4.74% - 4.74% | 72 months 4.99% - 4.99% | 84 months 5.24% - 5.24% | 96 months 6.99% - 6.99% |
Estimated minimum monthly payment | 36 - 60 months $281.29 based on a 60 month, $15,000 loan at 4.74% APR* | 72 months $241.50 based on a 72 month, $15,000 loan at 4.99% APR* | 84 months $213.70 based on a 84 month, $15,000 loan at 5.24% APR* | 96 months $340.72 based on a 96 month, $25,000 loan at 6.99% APR* |
2020-2022 Used Auto Loans (Cars, trucks & vans)
36 - 60 months | 72 months | 84 months | |
|---|---|---|---|
Annual percentage rate (fixed)* | 36 - 60 months 4.74% - 4.74% | 72 months 4.99% - 4.99% | 84 months 5.24% - 5.24% |
Estimated minimum monthly payment | 36 - 60 months $281.29 based on a 60 month, $15,000 loan at 4.74% APR* | 72 months $241.50 based on a 72 month, $15,000 loan at 4.99% APR* | 84 months $213.70 based on a 84 month, $15,000 loan at 5.24% APR* |
2016-2019 Older Used Auto Loans and Other Titled Vehicles3
36-60 month | 72 months | |
|---|---|---|
Annual percentage rate (fixed)* | 36-60 month 4.74% - 4.74% | 72 months 4.99% - 4.99% |
Estimated minimum monthly payment | 36-60 month $281.29 based on a 60 month, $15,000 loan at 4.74% APR* | 72 months $241.50 based on a 72 month, $15,000 loan at 4.99% APR* |
2023 & Newer Auto Loans (Cars, trucks & vans)
36 - 60 months
72 months
84 months
96 months
Annual percentage rate (fixed)*
4.74% - 4.74%
4.99% - 4.99%
5.24% - 5.24%
6.99% - 6.99%
Estimated minimum monthly payment
$281.29 based on a 60 month, $15,000 loan at 4.74% APR*
$241.50 based on a 72 month, $15,000 loan at 4.99% APR*
$213.70 based on a 84 month, $15,000 loan at 5.24% APR*
$340.72 based on a 96 month, $25,000 loan at 6.99% APR*
2020-2022 Used Auto Loans (Cars, trucks & vans)
36 - 60 months
72 months
84 months
Annual percentage rate (fixed)*
4.74% - 4.74%
4.99% - 4.99%
5.24% - 5.24%
Estimated minimum monthly payment
$281.29 based on a 60 month, $15,000 loan at 4.74% APR*
$241.50 based on a 72 month, $15,000 loan at 4.99% APR*
$213.70 based on a 84 month, $15,000 loan at 5.24% APR*
2016-2019 Older Used Auto Loans and Other Titled Vehicles<sup>3</sup>
36-60 month
72 months
Annual percentage rate (fixed)*
4.74% - 4.74%
4.99% - 4.99%
Estimated minimum monthly payment
$281.29 based on a 60 month, $15,000 loan at 4.74% APR*
$241.50 based on a 72 month, $15,000 loan at 4.99% APR*
Rates Effective: 06-05-2026
Promotional rates effective 05/22/2026 – 07/06/2026.
*APR=Annual percentage rate
Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules, and practices now or hereafter adopted by the credit union. All loans and lines of credit are subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published.
For auto model years 2016 and newer, the maximum LTV (Loan-to-Value) may vary depending on credit history and factors specific to your loan. LTV (Loan-to-Value) is calculated using Kelley Blue Book retail value, MSRP, or purchase price, whichever is lowest.
72-month term for model years 2016 – 2019 requires a minimum $12,000 loan amount. The 84-month term requires a minimum $15,000 loan amount. The 96-month term requires a minimum $25,000 loan amount.
How refinancing works
1. Apply online or visit a branch
2. We review your current loan
3. Get your new rate in minutes
4. Finalize and start saving
Here's what you'll need.
- Your personal information such as your name, address, phone number and Social Security number
- The make, model and year of your vehicle
- The amount you would like to refinance
- Your current interest rate
Hear what our Members have to say.
Phillip R.We went in to refinance our auto loan and were so pleased with our service. OnPoint made the process so easy and quick. Thank you tons! We are over the moon with our new rates.
Lower your auto loan rate today!
Apply online for an auto loanSchedule an appointment at your nearest branchDisclosures
Promotional rates effective 05/22/2026 – 07/06/2026.
*APR=Annual percentage rate
Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules, and practices now or hereafter adopted by the credit union. All loans and lines of credit are subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published.
All OnPoint loans are subject to credit terms and approval.
- APR=Annual Percentage Rate.
- Must meet OnPoint Community Credit Union membership and credit requirements. Maximum rate reduction is 0.50% APR (Annual Percentage Rate) lower than current loan rate with a minimum rate of 1.00% APR below current published standard rates. Offer available on new or used auto loan purchase or refinance (2016 model year or newer). Verification of competitor’s rate is required. No cash out. Loan to value cannot exceed OnPoint’s loan to value guidelines for product type. Discount does not apply to existing OnPoint auto loans or promotional rates. All OnPoint loans subject to credit terms and approval. Available rates and terms determined by creditworthiness.
