Bring It Home Advantage | How to Stack Your Way to the Best Auto Loan Rate
- Options Credit Union
- 1 day ago
- 4 min read
Updated: 8 hours ago
When it comes to financing a vehicle, most people focus on one thing: the rate. But what many borrowers don’t realize is that your rate isn’t always a fixed number—it can improve based on your relationship, your financial habits, and how you structure your loan.
At Options Credit Union, we’ve introduced the Bring It Home Advantage—a simple way to refinance your loan and stack multiple discounts to secure the best rate available.
What is the Bring It Home Advantage?
Bring It Home Advantage is our refinance benefit designed to reward members who move their loan to Options Credit Union.
Instead of complicated rules or teaser offers, we keep it simple:
Refinance an existing auto loan from another lender
Receive a rate discount just for bringing your loan to Options
Combine that with other eligible discounts to maximize your savings
It’s not just about refinancing—it’s about optimizing your loan.
How Rate Stacking Works
Here’s where Options stands apart. Your rate isn’t just one number—it’s built.
Eligible members can stack multiple discounts, including:
🔹 Bring It Home Advantage
Reward yourself for moving your loan to Options.
🔹 Loyalty Advantage Reward
The more you engage with us and use our products/services the greater the reward.
🔹Legacy Rate Advantage
The longer your relationship with us, the more you can save.
🔹Payment Advantage
Enroll in autopay and reduce your rate even further.
🔹 Equity Advantage
Bringing equity into your loan? That can lower your rate too.
Why Stacking Matters
Most lenders offer a single “as low as” rate—but very few explain how to actually get there.
At Options, we believe in transparency. Your final rate is based on:
Credit profile and debt ratio
Loan term
Vehicle age and mileage
And importantly… which advantages you qualify for
That means two borrowers could start with the same base rate—but the one who can stack benefits could end up significantly lower.
A Simple Example
Let’s say a current active member qualifies for a competitive base rate at 5.75%, but they are eligible to stack the following advantages:
Bring It Home Advantage - 0.50%
Loyalty Advantage - 0.25%
Legacy Rate Advantage - 0.10%
Payment Advantage -0.25%
They could reduce their rate by up to 1.10% bringing the cost of financing down to 4.65%. That’s real savings—both monthly and over the life of the loan.
More Than Just a Lower Rate
Refinancing with Options Credit Union can also help you:
Lower your monthly payment
Shorten your loan term
Skip unnecessary fees from other lenders
Work with a local team that puts members first
And because we’re a credit union, our focus is simple: helping you keep more of your money.
Who Should Consider Refinancing?
Bring It Home Advantage is a great fit if:
Your current rate feels too high
Your credit has improved since you purchased your vehicle
You didn’t explore all your options at the dealership
You want a more personalized lending experience
Even if your loan is only a few months old, it may be worth a quick review.
Ready to Bring It Home?
Your best rate isn’t just given—it’s built.
With Bring It Home Advantage and Options Advantage rewards, you have the opportunity to stack your way to real savings.
👉 Start your refinance today and see how low your rate can go, or visit our Benefits Page to learn more about the Options Advantage.
Terms and Conditions: Qualifier status will be verified at the time of deposit/application. The rewards level is calculated and based on balances and activity from the prior 90 days. Payroll direct deposit is defined as recurring ACH payments from an employer. Other deposits such as checks, transfers, Venmo, Zelle, Cash App, and PayPal do not qualify. Bill pay is considered active with at least one payment per month. Rate rewards and qualifying thresholds may be revised at any time based on market conditions and program performance. Options Advantage rewards and discounts may be stacked but remain subject to the credit union's floor rate. The following products are excluded from the Options Advantage program: Revolving loans, CD Secured loans, Credit Builder loans, Freedom loans, and Credit Cards. Promotional loan rates, rate matching, or special certificate promotions cannot be combined with an Options Advantage adjustment. Rewards are not available for business accounts/members. Bring It Home only applies to auto loans coming from another lender that are at least 12 months old with positive payment history.
Frequently Asked Questions
How much can I save by refinancing?
Savings vary, but many members lower their rate, payment, or both—especially when stacking multiple discounts.
Can I combine all available discounts?
Discounts can be combined up to program limits, but a minimum rate (floor rate) will always apply.
Does refinancing affect my credit?
A credit inquiry may be required, but refinancing can improve your overall financial position if it lowers your cost.
How long does the process take?
In many cases, we can provide a decision quickly and guide you through a smooth transition from your current lender.
