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Car Loan Refinancing

Lower Your Payments

If you have a car loan and are looking to lower your monthly payments, refinancing might be a smart option for you. 


Young asian couple managing finances.

Refinancing your car loan can mean a lower interest rate, and/or less payments over the life of your loan. By spending less to repay  your loan, you may be able to increase your savings and/or pay down other debt, helping to reduce financial stress.


When Should You Refinance Your Car Loan?

Any time the current rates are less than your original rate it is good to at least inquire. Depending on how much you still owe and the length left to pay off the loan, along with your other debt would need to be accounted for in order to make a good decision. We’re happy to go over all of this information with you and determine if refinancing now makes sense.


Live Smarter

If you have any questions, we are here to help. Call 315-735-8571 to talk about your options or make an appointment with one of our friendly and knowledgeable representatives today. Simply click on the button below, select the “Apply for a Loan” service from the menu and choose the “Auto/Recreational” option.

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Make an appointment with one of our friendly Member service representatives today.

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What can you afford?

Try our auto loan calculator.


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*Federally insured by NCUA. Membership and credit requirements apply. Rates and terms determined by overall credit history and subject to change.