Auto Loan Refinance

More car.

Lower payment.

Let's get you rolling.

1. The Annual Percentage Rate (APR) of 4.29% is based on a calculated APR of 4.29% and is offered for 63 months on new, used or refinanced non-Radiant Credit Union auto loans. Rate effective as of July 31, 2026, through August 31, 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 4.21% for 63 months would require 62 monthly payments of $890.91 and a final payment of $890.56, finance charge of $5,950.93, for total payments of $56,126.98. The amount financed is $50,176.79 with an APR of 4.29%. 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.

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

Auto Loan Rates

Vehicle Type	Term	APR*
New Car	63 months	4.29%*
Used Car	63 months	4.29%*
Vehicle Type New Car	Term	63 months	APR*	4.29%*
Vehicle Type Used Car	Term	63 months	APR*	4.29%*

Other terms and rates available. New autos are based on the current model year and previous calendar year with less than or equal to 30,000 miles. Used autos are eight (8) years old or newer. Maximum mileage is 100,000.

Man happily checking out his shiny clean car

GAP Insurance

If you are in an accident, Guaranteed Asset Protection (GAP) can help you pay what you still owe on your car if your insurance payout isn't enough.

Learn more about GAP Insurance from our blog post. To get GAP Insurance, you can also call our Contact Center at (877) 786-7828 during business hours or visit a branch near you.

Lady on the phone while looking under the hood of a parked car.

Mechanical Breakdown Protection

Mechanical Breakdown Protection is optional coverage that can help you pay for unexpected mechanical or electrical repairs to your new or used vehicle.

Please call our Contact Center at (877) 786-7828 during business hours or visit a branch for more information.

What's a Great Interest Rate on a Used Car? (2025 Update)

February 27, 2025

Buying a pre-owned car often makes solid financial sense, but interest rates on used cars are typically higher. What is a good interest rate on a used car and what determines it?

A happy couple signs the paperwork on a car loan even with a 600 credit score.

Can I Really Get a Car Loan With a 600 Credit Score?

November 13, 2024

Finding financing for a car can be challenging if you have a poor credit score or a short credit history. In this blog, we take a closer look at why lenders are wary of buyers with lower credit...

I Paid Off My Car Loan – Now What?

August 20, 2024

Congratulations on paying off your car loan – it’s a significant milestone. Yes, it’s owning your vehicle outright—it’s also proof of your financial responsibility and capability.

Disclosures

*APR = Annual Percentage Rate is subject to change at any time without notice. Rates are based on individual credit history, vehicle model year, term of the loan, and your account relationship with Radiant Credit Union. By applying, you acknowledge the interest rate shown throughout this application will differ from the Annual Percentage Rate (APR) that will be disclosed if your application is approved. 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 $35,223.55 new auto loan with no money down at a rate of 4.69% for 75 months would require 74 monthly payments of $542.71 and a final payment of $542.25, finance charge of $5,579.24, for total payments of $40,702.79. The amount financed is $35,123.55 with an APR of 4.782%.

“I had a wonderful experience with Radiant Credit Union! It’s rare to find a place where you genuinely feel valued as a member, but that’s exactly how I feel here. I truly appreciate all of you — thank you for consistently providing such excellent service!”

Ruthann

“We've been with Radiant Credit Union for years and have always been impressed with their friendly professionalism and efficiency."

Holly

“It's always a pleasure working with Radiant. Everyone is so helpful and informative of possible solutions and opportunities that you may not even know about. I've been a member for many years and look forward to many more. I always feel and know that Radiant is in my corner!”

Jon

Auto Loan Refinance

More car.

Lower payment.

Let's get you rolling.

JULY 31 - AUGUST 31, 2026

Special Thanks 4.29% APR¹ Auto Loan!