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Put Your Payment in Park

Your auto loan doesn’t have to stay where it started.

Already have an auto loan with another lender? Refinancing with SCCCU could help you get a better rate, lower your monthly payment, or simply bring your loan to a place you already know and trust.

And right now, there are even more reasons to make the move.

Refinance Your Auto Loan with SCCCU

When you refinance an auto loan from another lender to SCCCU, you can:

  • Get up to 90 days with no payment.*
  • Earn a chance to win $300 toward your next auto loan payment.**
  • Take advantage of competitive auto loan rates with an additional .25% discount when you use automatic payment.
  • Choose from flexible repayment terms.
  • Get local, personal service when you need it.

 

REFINANCE MY AUTO LOAN

Could Refinancing Make Sense for You?

A lot can change after you buy a car. Your credit may have improved, rates may have changed, or your current loan may no longer be the best fit. Depending on your current loan and the terms you qualify for, refinancing could help you:

  • Lower your rate. A lower interest rate could reduce how much you pay over the life of your loan.
  • Lower your payment. The right rate and term could make your monthly payment more manageable.
  • Bring your loan to SCCCU. Keep more of your financial life in one place with a local Credit Union that puts members first.

Already Received a Pre-Approved Offer?

Even better. If SCCCU sent you a personalized pre-approved auto refinance offer, you’ve already taken the first step. Your offer includes a specific pre-approved amount and rate that you may use to refinance an eligible auto loan you currently have with another lender.

 

Using Your Pre-Approved Offer Is Easy:

  1. Check your offer. Find the pre‑approved amount and rate included in the mail or email you received.
  2. Contact SCCCU. Call us at 831-425-7708 or visit any SCCCU branch, and let us know you’d like to use your pre‑approved offer to refinance your current auto loan.
  3. Provide your current loan information. We’ll need some information about your vehicle and the loan you currently have with another lender.
  4. We’ll take it from there. PLUS, you’ll be entered to win $300** for your next auto loan payment!

Once the remaining loan requirements are completed and approved, SCCCU will pay off your existing eligible auto loan and move the financing to us.

Ready to Put Your Payment in Park?

Whether you received a pre-approved offer or simply want to see if refinancing makes sense, SCCCU is ready to help.

Bring your auto loan home — and put your payment in park for up to 90 days.*

SPECIAL OFFER ENDS NOVEMBER 30, 2026.

*No payments for up to 90 days. Interest accrues from loan funding and is added to the loan balance. Not all loans qualify. Vehicle and mileage restrictions may apply.
**When you use your pre-approved auto loan to refinance a non-SCCCU auto loan, you’ll be entered to win $300 off your next auto loan payment. For complete details, click here.