couple driving together

Refinance Your Auto Loan

Rates as low as 4.09 % APR*

Ask us about our 1% Rate Match Program to match or beat your current auto loan**

red icon-cash in hand symbol

Savings You Can See

We’ll work with you to find the best possible savings on your refinance through our competitive interest rates options.
blue icon-downward arrow with money symbol

No Payments 90 Days*

Don’t worry about paying right away. Your first payment won’t be due for three months after closing.
green icon-convert money symbol

Fast & Easy Application

Switching your loan is easy and can be started online or over the phone. Begin your application online today and get notified within 24 hours.***

Graphic says "Ask us about our 1% Rate Match"

We will match or beat your current rate by 1%

Looking to refinance? We will match or beat your current rate by 1% when you refinance your auto loan with us. 
Apply now to get your Rate Match quote.
Limited time offer. Certain conditions apply.***

Additional Auto Loan Benefits: 

  • Loyalty Rate Discount Options – Get up to .30% in rate discounts:  .10% for an automatic loan payment transfer from an MCCU checking account, .10% for checking account direct deposit at the time of funding, .10% for a new or increased Credit Card.  
  • Affordable Guaranteed Asset Protection (GAP)

Switching your loan is easy and can be started online or over the phone. Apply now to get your rate quote.

Apply Online

Apply by Phone

Call us at 281.754.1470 to ask questions or start a loan application by phone.

Apply in a Branch

To apply in branch, visit a branch near you.

FAQs about Auto Refinancing

A lower interest rate can help you save hundreds or even thousands of dollars throughout the life of your loan repayment term. Use our Car Payment Calculator to find out what your payment options would be.

There are a few reasons why people refinance their car loan; mostly it’s to save money. You may want to lower your monthly car payment, or your interest rate was marked-up when you bought your car, or perhaps your credit score has improved. Depending on the term of your original loan or changes in your finances, refinancing can help you put money back in your pocket through lower interest rates, extending your loan term, or both.

You typically need a history of on-time payments to make refinancing worthwhile and possible. The new rate you’ll qualify for depends on multiple factors, including your credit history and score.

Extending the length of your loan when you refinance will lower your monthly payments. Speak to our loan specialists to see if this option is best for you. 

Auto Loan Resources

Auto Loan Rates

Check our current competitive rates for auto loans. View Loan Rates

Car Payment Calculator

Find out exactly what you need to get the payment you want. Get Your Payment

Enhanced Loan Calculator

Look at several different scenarios. Run the Numbers

Affordable Guaranteed Auto Protection (GAP)

Pays the difference between any insurance settlement and the amount owed on the loan. Learn More About GAP

Optional Multi-Shield Coverage

Protect your vehicle from minor damage. For more information, call us today at 281.398.9900 / 800.753.2428


If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval. 

*APR=Annual Percentage Rate. Rates are subject to change without notice. Annual Percentage Rate of 4.09% is for an approximate term of 12-36 months. Payment example: 12 monthly payments of $85.19 per $1,000 borrowed at 4.09%. Discounts have been applied to the rate of 4.09%. We offer other terms up to 84 months. During initial 90 day no payment period, interest still accrues during this time.

** MCCU "Match A Rate" Program

  • MCCU will match and beat a member's current Auto loan rate by 1%, not exceeding our lowest rate based on a member’s credit tier.
  • Proof of current rate is required
    • Forms of proof include but not limited to: Online banking screen print, purchase agreement, statements any other methods for documentation purposes
    • Changes to ownership do not qualify for program
  • No other discounts will apply
  • Not eligible for purchases
  • Limited time offer

***Typical turnaround for in person, phone or online applications is within 24 hours, if application is received during business hours. Weekend applications get processed the following business day.