Refinance Your Auto Loan and Earn $200!
Your car payment is just another monthly bill you’ve probably gotten used to paying. But here’s the catch—you might be paying far more than you need to. If you bought a vehicle years ago and financed through a dealership, you could save thousands on your loan if your credit score has improved since then!
We are here to help you lower your monthly payment! Right now, we’ll PAY YOU $200* with your approved, funded loan! Just use Promo Code REFICASH on your application. Offer also applies to motorcycles, RVs, and ATVs. We are paying YOU to save!
*All loans subject to credit approval. A qualifying direct auto loan is defined as an approved and funded auto refinance of at least $7,500 on a vehicle 10 model years old or newer and excludes refinancing of a current Belco auto loan. To be eligible for the cash bonus, applications must be received by 6/15/26 and loan must be disbursed by 7/15/26. A floor rate of 4.99% Annual Percentage Rate (APR) applies. Promotion does not apply to lease buyouts, boats or commercial vehicles. Cash offer will be deposited into member’s S1 account on the 1st day of the following month after loan is disbursed. Member is solely responsible for payment of applicable taxes on the cash bonus. If you have any questions, please seek the advice of a qualified tax professional. Commonwealth of PA lien fee to be paid by Belco Community Credit Union. Offer subject to change or cancellation without notice. Cannot be combined with any other offer. One cash bonus per loan. Other restrictions may apply.
Why Refinance with Belco?
Belco is here to help our members. We are committed to helping you save the most with benefits like:
- Lower interest rates: Our competitive rates are among the lowest in the area and are designed to save you real money.
- Lower monthly payments: Reduce your payment by choosing a better rate, extending your term, or both. More money in your pocket each month adds up.
- Flexible Term Lengths: We work with you to find payment terms that fit your budget and goals, whether that is a shorter payoff period or a more comfortable monthly payment.
- Helpful Additions: Get GAP and Debt Protection Insurance at the touch of a button to give yourself peace of mind.
Take back control of your monthly auto payments by applying for car refinance now!
Car Refinance Calculator
Want to know just how much you could save by refinancing your car loan? Check out our helpful auto loan calculator.
Car Refinance Rates
Below are the current rates for a car refinance through Belco Community Credit Union.
| New Auto/Motorcycle Loans (2025 and newer)* | APR* starting at: |
|---|---|
| 12 Months | 4.99% |
| 24 Months | 4.99% |
| 36 Months | 4.99% |
| 48 Months | 5.24% |
| 60 Months | 5.24% |
| 72 Months | 5.49% |
| 84 Months | 5.99% |
| Used Auto/Motorcycle Loans (up to 10 model years)* | APR* starting at: |
|---|---|
| 12 Months | 4.99% |
| 24 Months | 4.99% |
| 36 Months | 4.99% |
| 48 Months | 5.24% |
| 60 Months | 5.24% |
| 72 Months | 5.74% |
| 84 Months | 5.99% |
For more information about current car refinance rates, contact us.
Car Refinance Frequently Asked Questions
When is the best time to refinance my car?
Cars may be refinanced at any time following the initial purchase. However, it would be wise to evaluate your payments and determine if a refinance would truly help you save.
Are there any reasons why I should not refinance my car?
Refinancing your current vehicle may not be the best decision, especially if the process would cause higher interest rates, add prepayment penalties, or force you to owe more than the vehicle is worth.
How do I apply for a car refinance?
Members may apply for a car refinance via phone, in-person, or online form. Reach out to the Belco Community Credit Union team for help every step of the way.
Refinance Your Auto Loan Today
*APR=Annual Percentage Rate. Rates quoted include LTV up to 100%. Rate may differ depending upon credit worthiness, Loan-to-value (LTV), loan amount, and term of the loan. Rates are subject to change at any time without prior notice. New vehicle rates apply to vehicles with 5,000 or fewer miles. Refinance of a Belco account requires a minimum of $5,000 in new money.