Auto Loan Refinance

Young family and dog in the car for a road trip.
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CREDIT UNION AUTO REFINANCE SPECIAL

Get up to $500 cash back with an Auto Loan Refinance!

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Looking for a better car loan in Central Ohio? No GPS needed.

Driving somewhere? You wouldn't take a traffic-clogged route that adds hours to your trip if there's a faster alternative. Along those lines, why stick with a vehicle loan that inflates your payments if you can do better? The lending professionals at KEMBA Financial Credit Union can explain the potential benefits of refinancing your current car loan and then steer you in the right direction.
  • Competitive interest rates on car loan refinance
  • Refinance car loan repayment terms up to 84 months
  • Pay off your car faster or lower your monthly payment with a credit union auto refinance 
  • Potentially reduce long-term financing charges by hundreds or even thousands of dollars
  • Get cash equity out to help with current expenses or high-rate debts
  • No payments on your new KEMBA auto loan for 90 days
  • Easy online application
  • Auto loan refinance also available for motorcycles, boats, RVs, and other vehicles


Rates effective as of August 1, 2025 .

Competitive Auto Loan Refinance Rates

 
Year KEMBA Advantage
Rate as low as (Rate)		 KEMBA Advantage
Rate as low as (APR)		 Everyday Rate as low as (Rate) Everyday Rate as low as (APR)
2022 & Newer 4.99% 5.29% 5.49% 5.79%
2021-2019 6.24% 6.54% 6.74% 7.04%
2018 & Older 6.49% 6.79% 6.99% 7.29%
AUTO LOANS: APR=Annual Percentage Rate. Rates are subject to change without notice and may vary due to factors specific to each loan. APRs may vary based upon creditworthiness and Advantage status. Click here for more on qualifying for Advantage status. Finance charges are calculated using the daily balance method. Rates may vary based on one or more of the following: credit rating, age and/or value of collateral (if any), document prep fee, and term of loan. APRs shown are based on a $20,000 loan with a $124 doc prep fee. Document prep fee may vary. Vehicle loans are amortized over 51 months.

The original or expected total dollar amount for this loan.

Loan Amount:

$25,0000
$5k
$100k
$200k
The interest rate on this product.

Interest Rate:

3.99%
2.99%
8%
13.24%
A percentage or dollar amount of the total cost paid at the outset.

Down Payment:

$
%
0.00
0%
25%
50%
75%
100%
The expected amount of time.

Term:

48 Months
6mo
48mo
84mo

--.--

Estimated Monthly Payment





















Speak With Our Experts

Auto Loan Application

Our Team is
Here to Help

At KEMBA Financial Credit Union, we provide trusted personal banking services in Central Ohio, as well as a full suite of personal banking products and services tailored to meet the financial needs of individuals and families. Our offerings include: low-rate credit cards with rewards, competitive-rate mortgages, home equity loans and refinancing options, low-interest auto loans in Central Ohio, personal and student loans, and financial wellness blogs and counseling services.

Discover why more Central Ohioans are searching for "best credit union near me" and choosing KEMBA.

To learn more, call us today 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

Calculator is provided for educational purposes only.

*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. Click here to 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. KEMBA membership is required.

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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