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Auto Loan Refinance

More car.

Lower payment.

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AUTO LOANS AS LOW AS 4.29% APR*!

February 20 - March 2

Now is a great time to upgrade your car and lower your car payment with our Special Auto Loan Promotion. Take advantage of our great low rates as low as 4.29% APR*. Whether you’re looking for a new car, used car, or want to refinance your current car loan, we’re ready to get you rolling.

*The Annual Percentage Rate (APR) of 4.29% is based on a calculated APR of 4.293% and is offered for up to 84 months on new, used or refinanced (non-Radiant Credit Union) auto loans with Radiant Credit Union. Rate effective as of February 20, 2026, and is available through March 2, 2026. The APR incorporates the interest rate as well as applicable finance charges (such as certain fees) which results in the APR usually being higher than the interest rate. For example, a $50,276.05 new auto loan with no money down at 4.23% for 75 months would require 74 monthly payments of $764.15 and a final payment of $763.74, finance charge of $7,134.79, for total payments of $57,310.84. The amount financed is $50,176.79 with an APR of 4.293%. The rate you pay is based on your creditworthiness, term of the loan and collateral qualifications at the time of your advance and is disclosed to you at that time. Rates subject to change without notice. Other rates and terms available. Offers are for standard passenger automobiles and trucks. Visit www.RadiantCU.org or call (877) 786-7828 for details. Radiant Credit Union is federally insured by the NCUA. Equal Opportunity Lender.

Auto Loan Refinance

Better Rate. Lower Payment. Smarter Savings.

Looking to lower your current car payments? Refinancing your current car loan can help lower your interest rate and make your monthly payments more manageable for your budget.

We’re here to help you. Our lenders work with you to find the right fit for your budget and make sure you’re aware of all your options before you finalize your loan. We want you to enjoy your car for many years to come.

Radiant Auto Loans Features:

  • Quick online applications

  • Fast approval decisions

  • Great low rates

  • Flexible loan terms up to 84 months (New) and 75 months (Used)

  • New car financing up to 120% of sale price and up to 110% of sale price on used cars

  • No loan application fees

  • No pre-payment penalty

GAP Insurance

Guaranteed Asset Protection (GAP) Insurance protects your loan in the event of an unfortunate accident.

Learn more from our blog post here or contact a Radiant Member Service Representative for more information.

Mechanical Breakdown Protection

MBP can help with new and used vehicles, as well as the one you already own.

Please contact a Radiant Member Service Representative for more information.

Debt Protection

Debt Protection helps relieve the financial stress and worry related to making payments when your life takes an unexpected turn. 

Please contact a Radiant Member Service Representative for more information.

Our Members are Talking

“I am very impressed with the quick response that I have received from Radiant Credit Union. You just can’t find that type of customer service anymore. I look forward to doing business with them.”

Josie R.
five stars

“I love Radiant Credit Union. I've never been in and had a bad experience. Great place to do business.”

Dewayne
five stars

“Everyone I dealt with was so professional and the customer service was outstanding. Been doing business with Radiant for years and will continue taking my business there for years to come. Thank you!”

Robert L.
five stars
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