Refinance My Auto Loan
Spend less on your loan and more on the things that matter.
We’re here to help save you money.
Do you have a high-interest rate auto loan from another lender or are you simply trying to lower your monthly payment? Our knowledgeable loan advisors will guide you along the process to find a loan that fits your budget.
Chase the season, not the payment.
When you bring your auto loan to Mirastar from another lender, you could lower your rate, simplify your payment, and skip payments for the first 90 days**. Give yourself a little more room to enjoy making new memories.
Benefits
Lower your monthly payment
A reduced interest rate can lower your monthly payments, freeing up cash for other bills or expenses.
Adjust your loan term
Circumstances change. Our refinancing helps you choose a more flexible repayment period that fits your current situation.
Pay off your loan faster
With a better term and a lower rate, you could potentially pay off your loan a lot faster than you originally planned.
Today’s rates
We offer affordable loan rates for your next new or used vehicle or motorcycle.
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Loan Type |
APR2 |
Terms |
|---|---|---|
|
1Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness and the term of your loan. All loan policies, rates and terms are subject to change without notice and all loan requests are subject to credit approval. You will be notified of the base rate for which you qualify when your loan request is approved. Payment example: Pay $29.97 per month per $1,000 borrowed at 4.99% APR for 36 months. For more payment samples, use our payment calculator or call 408-282-0700 to speak with a Loan Advisor. 2APR = Annual Percentage Rate. All loan policies, rates and terms are subject to change without notice and all loan requests are subject to credit approval. 8.49% APR is valid for terms up to 60 months. Quoted loan rate is the lowest rate offered based on individual credit worthiness. Payment amount per every $1,000 borrowed at 8.49% for 60 months equals $20.51 per month. Borrower must be over 18 years old; employed at least part-time; a student at an accredited college, university, or trade school, or a recent graduate (less than one-year post graduation). Must have no FICO score, or limited credit history. Down payment required. |
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|
Loan Type New, Used & Refi1 |
APR2 4.99% – 14.49% |
Terms up to 36 months |
|
Loan Type New, Used & Refi1 |
APR2 5.49% – 15.49% |
Terms 37 to 60 months |
|
Loan Type New, Used & Refi1 |
APR2 5.99% – 16.49% |
Terms 61 to 72 months |
|
Loan Type New, Used & Refi1 |
APR2 6.49% – 13.49% |
Terms 73 to 84 months |
|
Loan Type New, Used First Time Buyer Program1 |
APR2 7.49% – 8.49% |
Terms up to 60 months |
|
Loan Type |
APR |
Terms |
|---|---|---|
|
1Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness and the term of your loan. All loan policies, rates and terms are subject to change without notice and all loan requests are subject to credit approval. You will be notified of the base rate for which you qualify when your loan request is approved. Payment example: Pay $29.97 per month per $1,000 borrowed at 4.99% APR for 36 months. For more payment samples, use our payment calculator or call 408-282-0700 to speak with a Loan Advisor. |
||
|
Loan Type New, Used & Refi1 |
APR 6.99% – 13.99% |
Terms up to 36 months |
|
Loan Type New, Used & Refi1 |
APR 7.99% – 14.99% |
Terms 37 to 60 months |
Apply for refinancing today.
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Disclosures
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**90-Day Payment Deferral: Available based on credit approval and other qualifying factors. Interest accrues from the loan closing and will continue to accrue during the payment deferral period. The first payment is due approximately 90 days after the loan is finalized. Deferring payments may increase the total interest paid over the life of the loan. This offer is being made to refinance an auto loan currently financed with another lender and is not valid to refinance an automobile loan currently financed by Mirastar Federal Credit Union. Additional restrictions may apply.
All loans are subject to credit approval, membership eligibility, and verification of collateral. Rates, terms, and conditions are subject to change without notice.