Refi Rates as Low As4
Special Fall Auto Refinance Rates
Refinance your existing auto loan1 from another lender and explore ways to reduce your auto loan rate by up to 0.50% APR. Rates now range from 4.74%-18.00% APR.3 Offer ends Dec. 31, 2025.
See if Refinancing Your Auto Loan Could Save You Money
If our rates are lower than your current lender, refinancing your auto loan can be a smart way to save money on interest.1
Whether your original loan came from a dealer, bank or credit union, BECU makes it simple to refinance and possibly get a better rate. Learn more about our auto loans.
Why Choose BECU for Auto Loan Refinancing?
When you refinance your car loan with BECU, you get more than just great rates. Our auto refinance loans are built to offer our members:
- Competitive rates. Qualified borrowers could receive our lowest available rates.
- No hidden fees. No application fees, and no penalty for early payoff.
- Optional Loan Payment Protection program. Your loan could qualify for financial assistance during times of hardship.
- BECU Loan Reprice Program.3 You'll be automatically enrolled, and your interest rate could be reduced when your credit score improves.
- Loan payoff term options: Find the best fit for your needs
How Auto Refinancing Works
Auto refinancing means replacing your current car loan with a new one — typically from a different lender — to see if they can find better rates and terms. The new lender pays off your existing loan, and you start making payments on the new one. This could help you find a loan structure that better fits your financial needs.
Refinancing Your Car May Help You Save Money
Refinancing your auto loan with BECU can be a smart way to reduce overall loan costs. Some members may see lower monthly payments if they qualify for a better rate. Rates are determined by several factors. Even with average credit, refinancing could still offer meaningful benefits. BECU also provides personal loans for other borrowing needs.
Lower Your Monthly Auto Loan Payments With BECU
If BECU's auto refinance rates are lower than your current loan, you could save money over time. Refinancing may also help shorten your loan term or reduce your overall interest costs.
Ready to Refinance Your Auto Loan?
Refinancing with BECU is simple. Start the process by opening a BECU account online, visiting a Neighborhood Financial Center, connecting via Video Banking, or calling 800-233-2328 to take advantage of our competitive rates and personalized service.
Auto Loan Refinancing FAQs
When you refinance a car loan, your new lender pays off your existing auto loan. You'll then make payments to the new lender based on your new loan amount, rate and term.
If you can get a lower interest rate or a shorter loan term than your current lender, then you could save money in the long term.
Members often choose refinancing when their credit score has improved or when auto loan refinance rates have dropped.
When you apply to refinance your auto loan, lenders generally consider factors such as your credit score, credit history, loan amount and the value of your vehicle compared to your existing auto loan. These details help determine eligibility during the credit approval process.
Because auto loan refinancing involves a hard credit inquiry, you may see a temporary dip in your credit score. Over time, responsible repayment on your refinanced loan could improve your credit history — and you may qualify to lower your rate even more with our Loan Reprice Program.
BECU does not charge prepayment penalties or refinancing fees.
To refinance your auto loan with BECU, open an account and apply online, contact us at one of our Neighborhood Financial Centers, connect virtually through Video Banking, or call 800-233-2328 for instructions on the application process.
Related Auto Loan Refinancing Resources
1Financing is subject to BECU membership, credit approval, and other underwriting criteria; not every applicant will qualify.
2ADDITIONAL TERMS ON AUTO LOAN REFINANCE FROM ANOTHER LENDER. Auto Loan Refinance APRs as of 10/31/2025 range from 4.74% to 18.00%. Lowest APR based on borrower's credit history, 60-month or less repayment term, collateral two (2) years old or newer with up to 90% loan-to-value (LTV) and approved collateral value by BECU. Auto Loans with repayment terms that exceed 60 months, 90% LTV, involve lesser applicant creditworthiness, or collateral older than two (2) years are subject to higher APRs and lower loan amounts. Payment example for a 5-year, $30,000 loan with an interest rate of 4.74%, the APR would be 4.74% with monthly payments of $562.57. Certain conditions apply, including but not limited to, the loan amount cannot exceed BECU's approved value for auto, collateral mileage cannot exceed 150,000 miles, and the loan proceeds may not be used to pay off, refinance, or pay down any BECU loan. The specific amount of the loan shall be based on the approved value of the collateral and will be the amount needed to pay off the existing loan with the other institution as supported by current lienholder payoff information. Final loan approval is subject to funding review by BECU. Actual rate may be higher.
3With a reprice, your rate cannot drop below the lowest current published rate. Loan products available for this benefit may change at any time, the reprice program may end at any time, and we may not be able to lower your rate with each evaluation
4Loan rates effective November 1, 2025, range from 4.74% to 18.00% APR based on credit qualifications, amount borrowed, loan to value, and term.