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.
Drive Into 75 with Mirastar
Since 1950, we’ve been driving trust. Celebrate our 75th Anniversary Special by refinancing your auto loan for a chance to win $750.* Receive a $75 gas card on any new auto loan, no matter the amount or term.*
Hurry—offer ends July 31!
*Limited time offer.
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.
|
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: Payment example: Pay $30.25 per month per $1,000 borrowed at 5.630% 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. 9.630% 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 9.630% for 60 months equals $21.07 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 5.630% – 17.990% |
Terms up to 36 months |
|
Loan Type New, Used & Refi1 |
APR2 5.880% – 17.990% |
Terms 37 to 60 months |
|
Loan Type New, Used & Refi1 |
APR2 6.130% – 13.880% |
Terms 61 to 72 months |
|
Loan Type New, Used & Refi1 |
APR2 6.380% – 10.130% |
Terms 73 to 84 months |
|
Loan Type New, Used First Time Buyer Program1 |
APR2 9.380% – 11.130% |
Terms up to 60 months |
|
Loan Type College Auto Loan Program2 |
APR2 9.630% |
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 $30.25 per month per $1,000 borrowed at 5.630% APR for 36 months. For more payment samples, use our payment calculator or call 408-282-0700 to speak with a Loan Advisor. |
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|
Loan Type New, Used & Refi1 |
APR 7.680% – 13.930% |
Terms up to 36 months |
|
Loan Type New, Used & Refi1 |
APR 8.180% – 14.430% |
Terms 37 to 60 months |
Apply for refinancing today.
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Disclosures
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*NO PURCHASE NECESSARY. Must be 18+ to enter. Begins 6/1/25 at 10:00 AM PT and ends 7/31/25 at 5:00 PM PT. One (1) winner will receive a $750 cash prize. Odds of winning depend on number of entries received. Refinancing an auto loan not currently financed with Mirastar Federal Credit Union or submitting a mail-in entry qualifies as entry. Official Rules available at https://www.mirastarfcu.org/files/autoloan-refinance-drawing-rules.pdf. Void where prohibited. Winner is responsible for any applicable taxes. Sponsored by Mirastar Federal Credit Union, 2099 Gateway Pl, Suite 140, San Jose, CA 95110.
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 $30.25 per month per $1,000 borrowed at 5.630% APR for 36 months. For more payment samples, use our payment calculator or call 408-282-0700 or 800-282-6212 to speak with a Loan Advisor.
This $75 gas card is available for all new auto loans of any amount and term, financed through Mirastar and funded by July 31, 2025.