Auto Loan Refinance Pre-Approval

Congratulations! You’ve been pre-approved* with a special offer from PNWFCU to refinance your current auto loan with us which includes:

a lower rate
a lower payment, and
$300 cash back!*

By refinancing your current auto loan with us, you can replace your existing auto loan with one that works better for you, and puts more cash in your wallet!

Simply click the ‘Apply Now’ button to get started!

Apply Now View Rates

Benefits of Our Auto Refinance Loans:

Save money with low rates.
Save time with our user-friendly loan application.
Select flexible loan terms to fit your needs.
Save money with no loan application fee.
Enjoy personalized service and support.
Opt to Skip-a-Payment when needed.

*This offer is only for pre-approved applicants. Applicant(s) must meet all credit union guidelines and be able to verify income and/or employment before final approval. $300 cash back amount will be deposited into your PNWFCU savings account established under the same member number as your loan after the second loan payment is received. Loans that are paid off within 90 days of opening will not qualify. In-house refinances on existing PNWFCU loans are not eligible for this cash back offer. Limit one cash back offer per loan with a minimum loan amount of $20,000.

*APR is the Annual Percentage Rate. The APR is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan. Your rate can be higher or lower depending on credit performance. Rate is subject to change without notice. Auto loans currently financed through PNWFCU cannot be refinanced with this offer.

Competitive Auto Loan Refinancing Rates

See our great credit union auto loan rates and then click to complete our easy online application.

See Rates & Terms Apply Now

Monthly Loan Payment Calculator

Enter the monthly payment you can afford, the loan term that works best, and the interest rate. We’ll show you a full loan payment schedule so you can see the breakdown of exactly what you’ll pay each month and over the life of the loan.

Loan Calculator

Loan Resources and Tools

Loan Protection

Skip-a-Pay

View Your FICO^® Score

Auto Loan Refinancing FAQ

The best way to know for sure is to get pre-approved. That way, you’ll know your interest rate for the specific loan terms you need.

We also have a loan payment calculator you can use to get a general idea before you apply.

We’ve been putting people before profits since 1942. Our philosophy is all about giving back to our members and the community where they live, work, and play!

That’s because we’re a member-owned not-for-profit. This cooperative model means that we’re invested in your financial success because instead of hanging onto profits, we give them back to you in the form of lower loan rates, lower fees, and higher dividends on savings accounts.

You’re not just an account. You’re a member with all the privileges and benefits that come with it.

Learn More About PNWFCU Membership

No. We never charge our members a fee for paying off their loans early. Many members do just that after they refinance, because refinancing gives them extra room in their budget. With that extra cash, they can make additional payments and pay their loan off before their term ends.

Applying is easy.

First, you need to be a PNWFCU member. Anyone is eligible to join if you live, worship, go to school, work (or regularly conduct business) in Clackamas, Columbia, Hood River, Multnomah, Washington or Yamhill Counties in Oregon, or Clark or Skamania Counties in Washington.

Eligibility is also extended to businesses and other legal entities located in those counties.

Next, you’ll fill out our online application, which includes:

Information about the kind of loan you want
Collateral information (where applicable)
Details about you and your co-borrower (if any)

Then, you review and submit. We’ll take a look at your application, your credit score and credit history, any existing debt you have, as well as proof of income and identity.

The kind of rate you qualify for is based on repayment period, collateral year, available rate discounts and your credit qualifications, including credit score.

Apply Now

You can make one-time or recurring loan payments from your PNWFCU account, or make online payments from another financial institution. Visit the payment center to see how.

You may also be able to skip a loan payment once per 12-months using our Skip-a-Pay service (learn more about terms and conditions here).

We’re glad you asked!

We offer:

So many!

From our Cash Awards Visa credit card (1% cash back on purchases and no annual fee), to our suite of financial literacy resources and tools, PNWFCU membership equips you with everything you need to make your financial dreams a reality.

Products and services include:

Not to mention the intangible benefits of belonging to a local financial institution with roots in the community. You can feel good about trusting your money to a place that’s connected to the people, places and organizations around us. Read about our community service.

Ready for a Better Auto Loan?

Pacific NW Federal Credit Union is here to meet your auto loan refinance needs with great rates, flexible terms, and a fast approval process. Click to apply or contact us with your questions. We are here to help.

Apply Now

Auto Loans as low as

5.74

%APR*

Apply Now

Pacific NW Federal Credit Union