A better auto loan could help you save every month
Bring your auto loan to C·U·D and make your monthly payment work harder for you. Get $300 cash3 when you refinance an eligible auto loan of more than $10,000 from another lender.
You could save even more with qualifying Auto Pay, which gives you a 0.25% discount on your rate4.
Refinance. Get $300. Save more with Auto Pay.
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Love your vehicle but not your current rate? Refinancing your auto or motorcycle loan could help you lower your monthly payment, reduce interest, or both.
Up to 60 months
Payment Example New: $18,000 at 4.95%APR for 60 months is $339.27 per month.
5.45%
61 to 72 months
73 to 84 months
Payment Example New: $18,000 max amount at 6.99%APR for 60 months is $356.34 per month.
up to 84 months
Payment Example: $9,999 max amount at 7.75%APR for 84 months is $154.60 per month.
85 to 120 months
121 to 144 months
145 to 180 months
181 to 240 months
4 Annual Percentage Rate
Not all borrowers will qualify for the lowest rate. Rates are current as of 10/01/2026
View Rates
Talk with a Loan Specialist — we’re here to help.
📞 303.202.5659 | 800.280.0234
✉️ support@cudenver.com
Refinance Calculator
Refinancing is available for autos and motorcycles, whether your current loan is with another lender or you’re ready to explore better options.
Payment example: For Vehicle Loan of $18,000 for 60 months at the best rate of 5.45% APR = monthly payment of $343.41.
Finance your next vehicle with competitive rates, flexible terms and a simple, stress-free process.
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Tap into your vehicle’s value to access cash for life’s expenses with a lower-rate loan option.
Plus, don't forget to review the Insurance Requirements for our auto loans.
If you use your personal vehicle for a driving service (Uber, DoorDash, etc.) you will need extra insurance to protect your assets. Please read this blog post for more information.
Disclosures
1 An appraisal of a Classic Auto may be required.
2 Loan qualification and (APR) Annual Percentage Rate based on individual credit worthiness. Not all borrowers will qualify for the best rate and terms may vary on amount financed. Rates Current as of 10/01/2026. Rates are subject to change. Insurance Requirements. C·U·D membership of $5 required.
3 $300 will be deposited within 10 days of closing documentation on auto loans (refinance or new loan) over $10,000. Existing C·U·D loans are not eligible for offer. Restrictions and eligibility requirements apply. C·U·D reserves the right to withdraw this offer at any time without notice.
4 APR = Annual Percentage Rate. Offer valid on loans originated on or after October 1, 2026. Best Rate shown includes a 0.25% discount for automatic loan payments. Not all borrowers will qualify for the best rate shown and terms may vary on amount financed. Subject to credit approval. Auto Pay Rate Discount Offer applies to loans with qualifying automatic ACH payment and is enrolled in e-statements on an eligible vehicle loan. If enrollment is discontinued, the rate will revert to contracted approved rate. Qualifying payment methods include automatic payments from a Credit Union of Denver (C·U·D) account. Payments initiated through Digital Banking or from another financial institution do not qualify. Loan must remain in good standing (has not caused a loss to the credit union). Discount is applied once per eligible loan and cannot be reapplied if later removed. All borrowers must not have any charged off shares on or after 6/15/2025 with a balance owed. Current rates as of 10/01/2026. Rates are subject to change without notice. Payment example: For vehicle loan of $25,000 for 60 months at the rate of 5.20% APR = monthly payment of $474.07. C·U·D membership of $5 is required. Federally insured by NCUA.