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Belco's Online Banking

The vehicle you choose to drive is all about you. Get monthly payments that fit your lifestyle with a car refinance through Belco Community Credit Union.

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

  • Competitive Rates: We’ll beat your current rate by 0.50%, or pay you $25*
  • Flexible Term Lengths: Our terms range from 12 to 84 months
  • Helpful Additions: Get GAP and Debt Protection Insurance at the touch of a button
  • Includes motorcycles, RVs and ATVs

Take back control of your monthly auto payments by applying for car refinance pre-approval now.

*Offer not valid for refinancing of current Belco loans. A floor rate of 5.99% APR (Annual Percentage Rate) applies. Loans subject to credit approval. Promotion does not apply to boats or commercial vehicles. Other conditions may apply. Not valid with any other offer. Offer subject to change or cancellation at any time.



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 Refinance Loans (2022+) APR*

starting at

Action Steps
12 Months 5.99% applynowbutton
24 Months  5.99% applynowbutton
36 Months  5.99% applynowbutton
48 Months 6.24% applynowbutton
60 Months  6.24% applynowbutton
72 Months 6.49% applynowbutton
84 Months 6.99% applynowbutton
Used Auto Refinance Loans (Up To 10 Model Years) APR* 

starting at

Action Steps
12 Months 5.99% applynowbutton
24 Months 5.99% applynowbutton
36 Months 5.99% applynowbutton
48 Months 6.24% applynowbutton
60 Months 6.24% applynowbutton
72 Months 6.99% applynowbutton
84 Months 7.24% applynowbutton

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.

Member Testimonials

“I love that my Belco is right around the corner from my house!! So close I can walk on a Saturday morning to do my banking & my family can attend functions without the worry of parking!! The Hanover St branch always takes good care of us!” – Casi B.

“What’s not to love! I’ve been with Belco since I was old enough to open an account with them 12 years ago! Awesome customer service, easy online banking and  have never had any issues!” – Kaylee S.

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.


*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.