Refinance Your Auto Loan and Save
Bring It Home to Options Credit Union and lower your rate.
Reduce your payment. Keep more money in your pocket.
Refinance Your Auto Loan and
Bring It Home to Options Credit Union
Looking to refinance your auto loan in Colorado? Options Credit Union helps drivers lower their rate, reduce their monthly payment, and save money over the life of their loan.
With our Bring It Home Advantage program you can combine refinance benefits, autopay discounts, and Options Advantage rewards.
Whether your goal is lowering your payment, paying off your vehicle faster, or moving away from a high-rate lender, our local Colorado team makes refinancing simple with fast decisions and personalized service.
Local Auto Loan Refinancing in Colorado
Options Credit Union proudly serves members throughout Colorado from our Littleton branch. As a member-owned financial cooperative, we focus on helping members save money and reach financial goals — not maximizing profits for shareholders.
Our team understands the local market and provides personalized guidance throughout the refinancing process.
Whether you currently financed through a dealership, bank, or another lender, refinancing locally with Options Credit Union may help you secure better terms and relationship-focused service.
Auto Loan Rates & Terms
Model Years | Rate Range | Terms |
|---|---|---|
2023-2026 | 4.65%-21.00% | up to 84 months |
2020-2022 | 4.90%-21.00% | up to 84 months |
2016-2019 | 5.15%-21.00% | up to 84 months |
Terms longer than 63 months require a minimum finance amount.
Other rates and terms available
The rate will vary based on personal credit history, other underwriting factors, and eligible rewards.
Discounts may not reduce rate below program minimums.
Programs, rates, terms and conditions are subject to change without notice.
The applicable rate will be provided upon completion of a loan application.
All rates are accurate as of 06/02/2026, subject to change.
APR is the Annual Percentage Rate.
The Bring It Home Advantage
At Options Credit Union, refinancing is about more than just moving your loan — it’s about creating more value for your membership. With our Bring It Home Advantage, qualified borrowers may combine multiple discounts and member benefits to achieve an even lower auto loan rate. That means your refinance will save you up to an additional 0.50% OFF the currently advertised "as low as" rate after all eligible discounts are applied.
Terms and Conditions: Bring It Home only applies to auto loans coming from another lender that are at least 12 months old with positive payment history.
Why Refinance Your Auto Loan?
You may benefit from refinancing your vehicle loan if:
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Interest rates have improved since you financed your vehicle
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Your credit score has increased
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Your current monthly payment is too high
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You financed through a dealership at a higher rate
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You want to shorten or extend your loan term
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You want local service from a Colorado credit union
Even a small rate reduction may help lower your monthly payment or reduce the total interest paid over the life of your loan.
Why Bring Your Loan Home to Options?
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Lower monthly payments
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Reduce interest
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Local Colorado credit union service
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Fast refinance decisions
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Stack eligible member discounts
👉 Contact a Team Member Today
How Much Could You Save by Refinancing?
Many borrowers refinance to secure a lower interest rate, reduce their monthly payment, or shorten the amount of time they spend paying off their vehicle.
Even lowering your rate by 1–2% could potentially save hundreds or even thousands of dollars over the life of your loan depending on your balance and remaining term.
Our team can help review your current loan and explain available refinancing options designed around your goals.
How Auto Loan Refinancing Works
Step 1 — Apply Online
Complete a simple online application in minutes.
Step 2 — We Review Your Current Loan
We’ll review your current rate, payoff amount, vehicle information, and financing goals.
Step 3 — Customize Your Loan
Our team helps structure a refinance option designed to lower your payment, reduce your rate, or fit your budget.
Step 4 — Bring It Home
We handle the payoff process with your current lender and help you transition your loan to Options Credit Union.
Stop Overpaying for Your Vehicle Loan
Many drivers don’t realize they may still be carrying a higher rate from dealership financing or previous market conditions.
Refinancing with Options Credit Union may help reduce financial stress, improve monthly cash flow, and create more flexibility in your budget.
Our goal is simple — help members keep more of their money. Many members refinance loans originally obtained through dealerships to secure lower rates and more flexible terms through Options Credit Union.
Questions About Refinancing?
Text, call or email our local Colorado lending team for personalized assistance.