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Belco's Online Banking

It Pays to Refinance!

If you have an auto loan with another lender, we would love to help lower your payment. Right now, we will PAY YOU $200 with your approved, funded loan!1 It’s another great advantage of credit union membership brought to you by Belco.

Lower your monthly bills and get more for your dollar by enjoying these auto refinance benefits:

  • Competitive Rates: Some of the best in the market. Offer also includes motorcycles, RVs and ATVs.
  • Flexible Term Lengths: Convenient terms from 12-84 months available
  • Helpful Additions: Get GAP and Debt Protection Insurance at the touch of a button

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 refinance calculator.

Car Refinance Rates

Below are the current rates for a car refinance through Belco Community Credit Union.

New Auto/Motorcycle Loans (2023 and newer)*APR* starting at:
12 Months6.49%
24 Months6.49%
36 Months6.49%
48 Months6.74%
60 Months6.74%
72 Months6.99%
84 Months7.49%
Used Auto/Motorcycle Loans (up to 10 model years)*APR* starting at:
12 Months 6.49%
24 Months 6.49%
36 Months 6.49%
48 Months 6.74%
60 Months 6.74%
72 Months 7.49%
84 Months7.74%

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.

Discover What’s Best with Belco Community Credit Union

Cars are much more than just vehicles, in the same way that monthly payments are so much more than money. Allow yourself to experience freedom that matters by refinancing your car loan through Belco Community Credit Union today.

1All 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 5/15/24 and loan must be disbursed by 6/15/24 A floor rate of 6.49% 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.

*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.