Refinance Your Auto Loan
It’s true! Refinancing your car can save you serious cash.
Calculate how much money you can save when you transfer to Sound
Check Out Our Auto Rates
We offer competitive auto loans for new and used cars, fueled, electric, and hybrid cars, as well as vehicles such as motorcycles, RVs, boats, and more.
|
Term |
APR* Range |
|---|---|
|
Vehicle must be model year 2023 or newer. |
|
|
Term 0 – 36 months |
APR* Range 4.89% – 18.00% |
|
Term 37 – 48 months |
APR* Range 5.29% – 18.00% |
|
Term 49 – 60 months |
APR* Range 5.59% – 18.00% |
|
Term 61 – 72 months |
APR* Range 5.89% – 18.00% |
|
Term 73 – 84 months |
APR* Range 6.19% – 18.00% |
|
Term |
APR Range* |
|---|---|
|
Vehicles must be model year 2015-2022; add 2% for prior model years. |
|
|
Term 0 – 36 months |
APR Range* 4.89% – 18.00% |
|
Term 37 – 48 months |
APR Range* 5.29% – 18.00% |
|
Term 49 – 60 months |
APR Range* 5.59% – 18.00% |
|
Term 61 – 72 months |
APR Range* 5.89% – 18.00% |
|
Term 73 – 84 months |
APR Range* 6.19% – 18.00% |
|
Term |
APR Range* |
|---|---|
|
Vehicle must be model year 2023 or newer. |
|
|
Term 0 – 36 months |
APR Range* 4.89% – 18.00% |
|
Term 37 -48 months |
APR Range* 5.29% – 18.00% |
|
Term 49 – 60 months |
APR Range* 5.59% – 18.00% |
|
Term 61 – 72 months |
APR Range* 5.89% – 18.00% |
|
Term 73 – 84 months |
APR Range* 6.19% – 18.00% |
|
Term |
APR Range* |
|---|---|
|
Vehicle must be model year 2015 or newer. Add 2% for prior model years. |
|
|
Term 0 – 84 months |
APR Range* 6.39% – 17.54% |
|
Term 85 – 144 months |
APR Range* 6.74% – 17.90% |
|
Term 145 – 180 months |
APR Range* 7.74% – 10.29% |
|
Term |
APR Range* |
|---|---|
|
Vehicles must be model year 2015 or newer; add 2% for prior model years. |
|
|
Term 0 – 60 months |
APR Range* 6.14% – 17.29% |
|
Term 61 – 72 months |
APR Range* 6.99% – 17.90% |
|
Term 73 – 84 months |
APR Range* 7.24% – 17.90% |
3 Step Refinancing
Calculate how much you can save
Use our Auto Loan Refinance Calculator to help compare your existing loan to what Sound can offer you.
Gather key information
Have your ID, vehicle registration, proof of insurance, and pay stubs handy before you apply online.
Apply within minutes
Start and finish your application in less than 10 minutes.
I completed the process for an auto refinance with the extraordinary help of Sound Credit Union. They offered endless knowledge about the process while also demonstrating so much patience and compassion for not only myself but the experience as a whole. Thank you Sound!
Your road trip budget just got bigger
Refinance your auto loan with Sound and get 2% cash back!
Refi a $30,000 truck = get $600 cash back!
Refi a $25,000 SUV = get $500 cash back!
Refi a $100,000 EV = get $2,000 cash back!
Auto Loan Refinance FAQs
Read all FAQs
Auto loan refinancing involves taking out a new loan to pay off your existing auto loan. Refinancing can provide various benefits, such as:
- Lower interest rates, which can save you money over the life of the loan.
- Reduced monthly payments, making your finances more manageable.
- Access to better loan terms, such as a shorter or longer repayment period.
Don’t miss Sound’s Auto Refi offer: Bring your auto loan to Sound from another lender and we’ll give you 2% of the loan amount back in cash!
- Refi a $30,000 truck = get $600 cash back!
- Refi a $25,000 SUV = get $500 cash back!
- Refi a $100,000 EV = get $2,000 cash back!
Gather information about your current auto loan, including the balance and lender details.
Then easily apply online in 10 minutes or less.
Curious if you qualify?
Try our Instant Prequal process to see if you qualify without impacting your credit score. Learn more and get started »
The refinancing process can vary, but typically it takes a few days to a week, depending on the completeness of your application and documentation.
Refinancing your auto loan, may have a temporary impact on your credit score due to the credit inquiry, but it can improve your score over time if you manage your new loan responsibly.
Sound offers an instant prequalification option that won’t affect your credit. Learn more and get started »
Get Moving on Your Auto Loan Refinance
Disclosures
APR is Annual Percentage Rate. Your rate and term will be determined by individual creditworthiness. Verification of income may be required. Must be 18 years of age to qualify for loan. Loan promotions cannot be combined with any other loan offer or discount. Rates are subject to change. Model year must be within the last 10 years to qualify for rates listed above. Older vehicles may qualify at a different rate and term. Qualifying hybrid vehicles are eligible for a 0.25% APR discount. The 0.25% APR discount is available on select consumer loans with auto pay set up from a qualifying Sound checking account. The prime borrower must be the prime or joint owner on the checking account. The discounted rate may revert to a non-promotional rate if the automatic payment is canceled at any time during the term of the loan.
All loans are subject to Sound Credit Union lending policies and loan-to-value guidelines. Your rate and term will be determined by individual creditworthiness including income, debt-to-income ratio, employment and credit history. Verification of income may be required. Must be 18 years of age to qualify for a loan. Loan promotions cannot be combined with any other offer. If you elect to return the vehicle at the end of the term in lieu of the final balloon payment, additional fees may apply. The Auto Advantage program is valid on cars, trucks, and SUVs up to five years old. Motorcycles, RV, boat, toy loans, electric cars and business loans are excluded from this offer. Membership at Sound Credit Union is required to participate in this program. Rate and offer are subject to change. Sample payment: 7.49% APR would require 72 monthly payments of $459 for a $25,000 loan.
2% Cash Back Offer: If you participate in this offer, 1) you may receive 1099 MISC at year end; 2) the 2% cash back award will be forfeited and added back to the payoff amount if the loan is closed within 24 months of opening. This offer is not valid to refinance an existing Sound Credit Union loan. Cash back offer valid through December 31, 2025.
Instant Prequal: This program uses a soft pull of credit to determine your offer and won’t affect your credit score. If you take advantage of the offer presented, your full credit will be pulled at that time. Applying for this offer is not a guarantee to lend. Complete details »