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Refinance Your Auto Loan

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Savings You Can See

We’ll work with you to find the best possible savings on your refinance through our competitive interest rate options.
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No Payments 90 Days*

Don’t worry about paying right away. Your first payment won’t be due for three months after closing.
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Fast & Easy Application

Switching your loan is easy. Begin your application online today and get notified within 24 hours.**

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)

Start off with an estimated rate quote – No credit pull required

Fill out the short form below to hear from a Loan Officer within the next business day.

Switching your loan is easy and can be started today

Apply Online

Or call 281.754.1470 for questions, or to 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. View Loan Rates for full rate terms and disclosures.

**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.