Rio Grande Credit Union
Rio Grande Credit Union
Refinance your auto loan and save!

Refinance your vehicle & save

Refinance from another lender and save BIG!

Home > Loans > Vehicle Loans > Auto Loan Refinance at Rio Grande Credit Union

Auto Loan Refinance

Get a lower rate. Get a lower payment. Or both! Plus get up to 90 days with NO PAYMENT!

Refinancing Made Simple:

  • Lower your monthly payment, lower your rate, or both!
  • Pay less on interest with rates as low as 1.89% APR1 for 36 months.
  • Get cash back - you may be able to keep your same or lower payment and walk away with some cash.
  • Easy application process with our trusted financial partners
  • Make NO PAYMENTS2 for UP TO 90 DAYS!

Open Now    Make an Appointment


Have the following information handy when you apply: 

  • Vehicle Information
  • Approximate loan amount remaining on vehicle
  • Where your loan is currently financed
  • Year, make and model of vehicle
  • Mileage and optional equipment
  • Primary and co-owner’s information
  • Social Security number and date of birth
  • Employer and time on the job
  • Annual income
  • Mortgage/rent per month

Rio Grande Credit Union membership required for all loans. Other rates, terms and model years available. This offer is subject to confirming you meet our pre-established criteria for this loan including certain credit bureau information, your vehicle type, vehicle age and your annual income. Otherwise, we may elect to change or withdraw this offer. This offer cannot be transferred. This is a limited time offer and can be cancelled at any time without notice..

1. APR=Annual Percentage Rate; subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. “As low as” rate assumes excellent credit history. Not all applicants will qualify for the lowest rate. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 100% financing available for qualified applicants. Payment example: $571.89 for a $20,000 loan month for 36 monthly payments at 1.89% APR. Other terms and rates are available and may be more beneficial for your situation.

2. Interest accrues during deferral period. Negative amortization cannot occur. Not all loans will qualify for 90 days deferred. 45 days and 60 days are options in that case.

Calculate Your Payment

Vehicle Loan Calculator

Choose Your Rate

Loan Rates
Term in monthsRate as low as
36 36 1.89%
48 48 2.29%
60 60 2.39%
72 72 2.59%
84 84 2.99%

What's Your Loan Amount?

Term:
4.189% APR*

Your monthly payment is only...

$ for months*
 

Auto Refinance Rates

 


Auto Refinance Rates
Effective Date: Monday, April 19th, 2021
APR As Low AsTermApprox Monthly Payment ($20,000 Loan)
1.89% 36 $571.89
2.29% 48 $436.44
2.39% 60 $353.98
2.59% 72 $300.22
2.99% 84 $264.18
APR=Annual Percentage Rate, is subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. “As low as” rate assumes excellent credit history. Not all applicants will qualify for the lowest rate. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months.