Ghost Your Old Rate with an Auto Refi as low as 4.99% APR*
Plus Enjoy:
- No payments for 90 days1
- Up to 100% financing2
- Lower your rate with Auto Pay and E-statements3
- Decisions on your auto loan application made in less than 24 hours
- Flexible payment periods to suit your financial needs with terms from 12 to 96 months
- View Current Rates
Why Refinance Your Auto Loan?
- Lower your interest rate
- Reduce your monthly payment
- Pay off your loan faster
- Simplify your finances with a loan that better fits your needs
Could Refinancing Be Right for You?
- Interest rates have improved since you obtained your loan
- Your credit profile has strengthened
- You want to lower your monthly payment
- You'd like to shorten your repayment term
- Your current loan is with another lender and you're looking for more personalized service
Fast, Convenient Application Process
Applying for an auto refinance loan is simple. Our lending specialists can help you review your options and determine whether refinancing makes sense for your financial goals.
Meriwest also offers competitive refinancing rates on Classic Car, Motorcycle, RV and Boat loans:
Get Preapproved!
*APR is Annual Percentage Rate. Rates effective November 1, 2026. 72-month financing is available for loans exceeding $15,000. 84-month financing is available for loans exceeding $20,000. 96-month financing is available for purchase loans exceeding $30,000. Rates may vary with amount financed, term and your credit history. For example, monthly payment of $691.72 based on a $30,000 loan amount for 48 months at 4.99% APR.
1: Effective Date: November 10, 2025. The 90-day No Payment Vehicle Loan Promotion is available for all vehicle loans to new or existing members who open and fund a direct auto loan at all Meriwest branch locations. This is a limited time offer and may be changed or terminated without prior notice.
Qualified members may defer payments for the first 90 days. During this period:
· No payments are required for the first three months.
· The fourth month’s payment will include the accrued interest from the first three months.
Important Exclusions: Refinances of existing Meriwest vehicle loans are not eligible for the 90-day no payment offer.
2: Up to 100% financing available on approved credit. Certain qualifications and restrictions may apply.
3: The Auto Loan Discount is available to new or refinanced Direct Auto Loans when the following requirements are met: 1) establish automatic payments from a Meriwest Credit Union checking account and 2) enroll in eStatements. Discount will be forfeited if the criteria are not met during the loan term. Offer valid for direct Meriwest auto loans only. Offer of credit is subject to approval. Discount is available beginning January 5, 2026, and is subject to expire at any time. Rate discounts cannot be combined with other rate discount offers.
4: Up to 1% discount available for Full Electric Vehicles. Rate discounts cannot be combined with other rate discount offers. Floor is 4.99% APR.
Membership requires a one-time non-refundable $5 fee.
Auto Buying Tools Use our Auto Calculators Guaranteed Asset Protection Plus Mechanical Repair Coverage
Join Our Family!
Membership is required for Meriwest products and services. You are eligible to join Meriwest Credit Union if any of the following applies:
- You live, work, worship, or attend school in Alameda, Contra Costa, San Francisco, San Mateo and Santa Clara counties of Northern California, and Pima county of Arizona.
- You are an employee of a participating Meriwest Credit Union member company.
- You are a relative of or reside with a current member of Meriwest Credit Union.
- If you don’t meet any of the requirements above but live in California or Arizona, you can still join Meriwest with a complimentary membership in the Financial Fitness Association. Call 1-877-637-4937 to learn more.
People Usually Ask:
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How do I apply for an auto loan with Meriwest Credit Union?
You can apply online or by visiting a branch. Get preapproved before shopping for a vehicle. Getting preapproved gives you a better understanding of your budget and can make the car-buying process faster and easier.
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Can I get preapproved for a car loan before I shop for a vehicle?
Yes. Meriwest offers preapproval options that allow you to know how much you may qualify for before visiting a dealership. Preapproval can help streamline negotiations and give you greater confidence while shopping.
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Does Meriwest offer financing for new and used vehicles?
Yes. Meriwest finances both new and used vehicles and offers flexible loan terms to fit a variety of budgets and financial goals
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Can I refinance my current auto loan?
Yes. Meriwest can help qualified borrowers refinance an existing auto loan from another lender, potentially lowering their monthly payment, reducing their interest rate, or adjusting their loan term.
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How much can I finance with a Meriwest auto loan?
Qualified borrowers may be eligible for up to 100% financing on a vehicle purchase. Financing availability depends on credit qualifications, vehicle value, and other lending factors.
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What loan terms are available for auto loans?
Meriwest offers flexible repayment terms ranging from 12 to 96 months, giving members options to choose a payment schedule that fits their budget.
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How quickly will I receive a decision on my auto loan application?
Many auto loan applications receive a decision in less than 24 hours, helping members move through the buying process quickly.
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Does Meriwest offer financing for electric vehicles?
Yes. Additional rate discounts may be available for qualifying electric vehicles. Meriwest also offers financing options designed to support environmentally friendly transportation choices.
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Can I lower my auto loan rate?
Qualified members may be eligible for rate discounts by enrolling in automatic payments from a Meriwest checking account and eStatements. Additional discounts may be available for eligible electric vehicles. Discount eligibility and restrictions apply.
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Does Meriwest offer a cash-back auto loan promotion?
Qualified members may be eligible for a promotional cash-back bonus when financing a new or used vehicle directly through Meriwest and meeting certain checking account, direct deposit, and automatic payment requirements. Promotional terms are subject to change.
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Do I have to make a payment right away after funding my auto loan?
Qualified members may be eligible for promotional offers that allow payments to be deferred for a period after loan funding. Specific eligibility requirements and promotional terms apply.
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Does Meriwest finance motorcycles, RVs, boats, and classic cars?
Yes. In addition to traditional auto loans, Meriwest offers financing options for motorcycles, RVs, boats, and classic vehicles.
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Is membership required to get an auto loan?
Yes. Auto loan borrowers must become Meriwest Credit Union members. Membership includes a one-time non-refundable membership fee.
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What credit score do I need for a Meriwest auto loan?
Auto loan approval is based on several factors, including credit history, income, debt obligations, and the vehicle being financed. The required credit score varies by applicant and loan program.
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Why should I get preapproved for a car loan?
Preapproval helps you understand your financing options before shopping, provides a clear budget, and may strengthen your ability to negotiate when purchasing a vehicle.