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  • Auto Loans 2017-08-25T08:41:58+00:00

    Auto Loans
    (Cars, Trucks, SUVs, Motorcycles)Flip Your Loan

    Refinance and Flip Your Car Payment From High to Low

    Call 800.845.5025

    Get $1005 to Flip Your Monthly Payment From High to Low

    You want lower monthly car payments? We can help you refinance your loan at a rate as low as 2.99% APR1 for 36 months. If you refinance with Connexus, you won’t have to make a single payment for 90 days2. Plus, you get to take advantage of all these rewards:

    Auto Refinance Rewards

    • $1005 for refinancing when you use promo code LOANFLIP
    • No payments for 90 days2
    • No prepayment penalties
    • Insurance discounts available3
    • Biweekly payment option

    Apply Online, Over the Phone, or at a Branch in 5 Minutes

    Call 800.845.5025

    Lowest Available Rates
    (Valid on Refinanced, New, and Used)

    2.99% APR1

    36 Month Term

    3.49% APR1

    48 Month Term

    3.99% APR1

    60 Month Term

    4.49% APR1

    72 Month Term

    5.99% APR1

    84 Month Term

    Active checking4 and automatic payments required to receive the above rates.

    Figure Out Your Monthly Payment Use our calculator to find out how much your monthly payments could be.

    Refinance My Loan
    Let’s lower your monthly car payment.


    • No Payments for 90 Days2
    • No Prepayment Penalties
    • Biweekly Payment Option

    Buy a Vehicle
    We’ll make your car buying experience as easy as possible.

    Step 1: Apply for a Loan

    Step 2: Get Approved

    Step 3: Find Your New Vehicle

    Step 4: Get Your Loan


    • No Payments for 90 Days2
    • No Prepayment Penalties
    • Biweekly Payment Option

    Additional Loan Features

    You get more than just an Auto Loan. Whether you’re buying or refinancing, these are available to you.

    Vehicle Warranty Program

    Keep your vehicle protected after the manufacturer warranty ends. Nationwide bumper-to-bumper coverage available for new and used vehicles.

    Guaranteed Asset Protection (GAP)

    Coverage that pays the difference between your insurance settlement and your loan balance up to 125% of your vehicle’s current value, in the event of a full loss.

    Insurance Discounts

    As a Connexus member, you’re eligible to receive auto insurance discounts3 through Liberty Mutual®. Connexus Credit Union does not specifically endorse Liberty Mutual®.


    See our Fee Schedule for a list of fees you may encounter.

    FAQs: You Asked. We Answered.

    Why should I refinance my existing car loan? 2017-07-17T10:46:47+00:00

    You might refinance to get a lower interest rate or lower your monthly payment by extending your repayment term. Call 800.845.5025 or try our Auto Loan calculator to figure out how much you could save.

    What is GAP insurance and who pays for it? 2017-07-14T13:28:11+00:00

    GAP insurance is an insurance policy taken out at the time of an auto loan to cover the difference between what your insurance company will pay on the auto loan, if the auto is totaled, and the remaining payoff balance. The cost of the policy can be included in your loan or paid by cash.

    Can I finance a boat, motorcycle, or recreational vehicle with Connexus? 2017-06-29T11:19:35+00:00

    Absolutely. The rates on this page apply to motorcycles. Loans for boats and other recreational vehicles can be found on our Recreational Loans page.

    Can I pay off my loan quicker than the payment schedule? 2017-06-29T11:19:35+00:00

    Of course! There’s no prepayment penalty for paying off your loan early. Doing so will actually help you save on interest over the long run.

    Do I have to be preapproved for my loan before I start car shopping? 2017-06-29T11:19:35+00:00

    No, it’s not a requirement. But being preapproved helps you negotiate the best price for your car because you won’t end up with a high rate when you close the deal. Car dealerships take preapproved customers more seriously because it means you’re ready to do business.

    Can’t find what you’re looking for? Ask us! 2017-08-15T16:52:05+00:00


    1 APR = Annual Percentage Rate. 2.99% APR is our lowest available rate for 36 months. 36 monthly payments of $28.86 per $1,000 borrowed. 3.49% APR is our lowest available rate for 48 months. 48 monthly payments of $22.35 per $1,000 borrowed. 3.99% APR is our lowest available rate for 60 months. 60 monthly payments of $18.41 per $1,000 borrowed. 4.49% APR is our lowest available rate for 72 months. 72 monthly payments of $15.87 per $1,000 borrowed. 5.99% APR is our lowest available rate for 84 months. 84 monthly payments of $14.60 per $1,000 borrowed. Rates accurate as of 8/15/2017. Minimum loan amount is $10,000. Rates include a 1% discount for active checking4 and a 2% discount for automatic payments. Rates are fixed for the term of the loan. Loan is subject to approval and the rate may vary based on your individual credit, term, and relationship level. Rates subject to change. Term of loan must be 36 months or more. Connexus employees eligible to receive offer. Offer does not apply to loans currently financed at Connexus Credit Union. Offer subject to change or termination.

    2 Interest begins accruing upon disbursal of loan. Deferred payment available upon credit approval. Some restrictions apply. Deferred payments may not exceed 90 days.

    3 Insurance discounts available through Liberty Mutual. Liberty Mutual discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. This offer does not constitute a specific endorsement of Liberty Mutual. More information can be found by calling Liberty Mutual at 800.981.2372 or visiting

    4 Active checking is defined as having at least one (1) Direct Deposit of net pay, including salary, wages, government benefits, or pension made to the account each month; having ten (10) checks, ACH withdrawals, and/or debit card transactions clear the account by the last business day of each month; and electing to receive eStatements. ATM transactions not included.

    5 To receive $100 for refinancing, enter promotion code LOANFLIP in the application process. Offer valid only on loans refinanced from another lender for a 36-month term or greater with a minimum loan amount of $10,000. $100 will be deposited into your Connexus savings account within 45 days upon receipt of the first full loan payment. One full loan payment is defined as two biweekly payments, two semi-monthly payments, or one monthly payment. The $100 is considered taxable income and is subject to income tax reporting. Offer subject to change or termination. Connexus employees eligible to receive offer. Offer valid on applications between 8/2/2017 and 10/1/2017 and does not apply to loans currently financed at Connexus Credit Union.