Auto Loan Refinancing

Auto Loan Refinancing

Enjoy the vehicle you deserve with an auto refinance loan through Argent Credit Union.

Choosing to refinance your auto loan is all about flexibility, and at Argent Credit Union, we understand this perfectly. Featuring personalized services and custom term lengths, we make it easy to save more by doing less.

Argent Credit Union is proud to offer:

  • Competitive borrowing rates
  • Up to 120% auto financing
  • Extended warranty options
  • Flexible term lengths

Contact the Argent Credit Union loan officers at 804.748.9488 for more information, or apply online at your convenience.

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Auto Refinance Loan Calculator

Unsure how an auto refinance loan through Argent Credit Union would impact your monthly payments? Calculate your auto payment using our helpful online loan calculator.

Auto Loan Rates

Auto Loan Rates

Argent Credit Union understands that one size doesn’t always fit all. To combat rigid loans and inflexible offers, we provide the following rates.

New & Used Cars / Trucks / SUV / Motorcycles

Term (Months) Rate
12 – 48 1.99% APR
49 – 66 2.24% APR
67 – 72 2.49% APR
73 – 78 2.99% APR
79 – 84 3.99% APR

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Auto Loan Resources

Need more help navigating the auto loan process? Find additional auto loan tools and resources below.

Auto Loan Tools

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Other Auto Loan Resources

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Auto Loan Refinance Frequently Asked Questions

How do I apply for an auto loan refinance?

Visit the online portal to submit your application to the Argent Credit Union team. We will respond shortly after reviewing your credit score, desired loan terms, and other pertinent information. Refinance applications submitted on weekends may take additional processing time.

How can I budget for my auto loan refinance payment?

Argent Credit Union’s financial calculators are a great way to assess your monthly payments, as well as calculate numbers that are unique to you.

What if I have bad credit?

Credit scores are an important part of securing auto loan refinancing, but they do not necessarily stand alone. To learn more about your refinancing options, reach out to an Argent Credit Union representative today. We will be happy to discuss any questions or concerns you may have about the refinancing process.

Member Testimonials

“I have had nothing but great service from the Argent Team. Friendly tellers and a clean building. Phone calls for online banking services are answered quickly. ATM is a plus.” — Eva T.

“Friendly and helpful staff.  Great offering of services from investments to loans to account services.” — Melissa B.

Fuel Your Ride With An Auto Loan Refinance

Saving more on your monthly car payment is an exciting event, but the tasks that lead up to that point often are less than thrilling. Turn your expectations on their head and experience the credit union difference by choosing to refinance your auto loan through Argent Credit Union today.

Trust our member service representatives to help you navigate the auto loan refinance process every step of the way. Visit one of our local branches, or apply online to get started now.

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*APR=Annual Percentage Rate. Repayment example: 1.99% APR would equal a payment of $21.69 per $1,000 borrowed for 48 months.  Rate includes a .25% discount for autopay setup. The rate you pay will be based on your credit history and term. If your risk profile puts you in a higher risk category your rate may be higher. Rates shown are subject to change without notice. Rate and term affected by credit history and amount financed. Certain terms may not be available for all risk categories.