Auto Loan Promo

Family enjoying a beach vacation, made possible by cash back from refinancing their auto loan with KEMBA

Refi Your Car & Get Fast Access to Cash!























Here are the top 5 reasons you may want to refinance your car!

The lending professionals at KEMBA Financial Credit Union can explain the potential benefits of refinancing your current loan and then steer you in the right direction.
  • Lower your monthly payments
  • Quick access to cash
  • Reduce your loan's interest
  • Improve your finances by consolidating high-rate debt
  • Get up to $500 next-day cash back and no payments for 90 days

Existing Advantage Members

Get 1% next day cash back up to $500

Everyday Members

Get next day cash back up to $250, with an opportunity to double

  • Your first cash back payout of 0.50% will be deposited the next business day after the loan is funded.
  • Once you meet Advantage status within 90 days, you will get an additional 0.50% up to $250, for a maximum cash back bonus of $500. This bonus will be deposited at the beginning of the month after you meet Advantage requirements. 

When to Consider an Auto Loan Refinance

  • You have high-rate debt, including other loans and credit cards, and you could benefit from consolidating it into one, easy to manage, low-rate loan.
  • Your credit score has improved from the time you took out your original loan
  • You originally financed your car when rates were higher, so now you can save money by securing a new lower rate
  • You need quick access to cash and have equity in your car to provide you a lump sum of money
  • You need to adjust the term of your loan to pay it off faster or slower
  • You're dissatisfied with your current lender
If you're still unsure if you could benefit from an auto loan refinance, rely on us to help you weigh the pros and cons.





























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At KEMBA Financial Credit Union, we offer personal banking solutions for Central Ohio residents, as well as a full suite of personal banking products and services with low fees, competitive rates on credit cards, home mortgages and home equity loans, auto loans, personal and student loans, and financial wellness and counseling services.

To learn more, call us at 614.235.2395, option 4, or visit one of our local branches in Pickerington, Gahanna, Bellefontaine, Clintonville, Grove City, Hamilton Quarter, Hilliard, Lewis Center, Powell, Reynoldsburg, Westerville or Whitehall. Our dedicated associates will help you navigate your individual financial situation and help you discover why KEMBA is a better way to bank.
Disclosures
APR = Annual Percentage Rate. Document preparation fee of $124 waived on loans with 51-month term, a credit score 725+, and vehicles year 2022 and newer. Loans subject to credit qualifications and approval. APR will vary based on credit score, loan-to-value, age of vehicle, KEMBA Advantage status, payment method, and document preparation fee. Interest will accrue during deferral period and will increase the total amount to repay the loan. Cash back up to $500 available on vehicle refinances only, new money only, existing KEMBA loans are not eligible. Business auto loans excluded. 1% cash back – up to $500 – will be deposited into Primary Savings Account prior to 11:59:59 p.m. the next business day following the loan funding for Advantage members and 0.50% cash back for non-Advantage members, up to $250. Non-Advantage members will receive additional 0.50% cash back – up to $250 – once Advantage status is met, to qualify for cash back, Advantage status must be met within 90 days of loan closing. Loan must be funded on or before August 31, 2025 to be eligible to receive the payout. Payout amount is dependent on amount financed. For example: Advantage members who finance a $20,000 auto, you will receive a $200 payout next day. Non-advantage members who finance a $20,000 auto will receive $100 next day and $100 once Advantage status is met. Cash back will be treated as a dividend payout and is taxable. Please consult a tax advisor to determine how cash back will affect your tax obligations. Visit our Advantage page at kemba.org for Advantage Program details. KEMBA membership, with $5 primary savings deposit, required. Federally insured by the NCUA. Equal opportunity lender. Offer ends 8.31.25. Offer subject to change at any time.
 
*Important information about your loan application:
A KEMBA membership is required before you can receive a loan. While you can complete and submit the online loan application prior to membership, we require that you join the Credit Union before your loan is funded. Find out if you’re eligible for membership.

Online loan applicants must be at least 18 years old and U.S. Citizens. When you submit an online loan application you are authorizing KEMBA Financial Credit Union to obtain your consumer credit reports from national credit reporting agencies, and contact you via telephone, email, or mail in regards to your application. It is also important to note that information obtained by KEMBA from your loan application may be kept and maintained by the Credit Union for an indefinite period of time, and may be shared with business affiliates of the Credit Union for any lawful purpose. KEMBA is an equal opportunity lender.
 
USA Patriot Act
Customer Identification Program Notification: Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, in order to help the government fight the funding of terrorism and money laundering activities. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
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