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  • Refinancing Your Auto Loan 2018-12-12T14:21:31+00:00

    Monthly Car Payment Too High?
    Try Our Refi Rewards Program

    Apply in 3 Steps & Get $100 After You Refinance1

    Call 800.845.5025

    Refi Rewards: What You Get When You Refinance


    When You Use1 Promo Code AUTOREFI


    Days of No


    Access to
    Digital Banking



    Lowest Available Rates
    (Cars, Trucks, SUVs, Motorcycles)

    Auto Loan Refinance Rates - Cars, Trucks, SUVs and Motorcycles
    36 months2.99%
    48 months3.49%
    60 months3.99%
    72 months4.49%
    84 months5.99%
    Accurate as of 10/12/20183

    Active checking5 and automatic payments required to receive the above rates.

    Payment Calculator

    Calculate what your monthly payment would be at our low rates.

    Available Loan Features

    The Refinancing Process

    Learn More About Refinancing

    RichNew Hampshire

    “Connexus provides excellent products with unparalleled customer service and support. This creates value that can’t be beat.”

    NerdWalletBest Credit Unions of 2018

    NerdWallet compared and rated the nation’s largest credit unions based on rates, fees, service, and more. Connexus was listed among the best of the best.
    Read the full article.


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

    FAQs: You Asked. We Answered.

    Can I pay off my loan quicker than the payment schedule? 2018-08-13T09:09:25+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.

    Why should I refinance my existing car loan? 2018-03-01T13:41:12+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? 2018-03-01T16:19:43+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’t find what you’re looking for? Ask us! 2017-08-15T16:52:05+00:00


    1 To receive $100 for refinancing, enter promotion code AUTOREFI 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 2/26/2018 and 12/31/2018 and does not apply to loans currently financed at Connexus Credit Union.

    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 APR = Annual Percentage Rate. The following rates are the standard non-promotional rates. 2.99% APR is our lowest available rate for 36 months. 36 monthly payments of $29.08 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 10/12/2018. Minimum loan amount is $10,000. Rates include a 1% discount for active checking5 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.

    4 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

    5 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.