You have probably heard of people refinancing their home loans, but have you ever considered refinancing the loan on your car?  


Refinance Your Auto Loan and Get Up to 1% Cash Back


Move your auto loan to Service One and receive a cash incentive of up to 1% of the loan balance up to $500.

Auto Refinance Cash Back Details:

Limited-time offer- apply for your auto loan refinance today

Loan rates are currently as low as 2.49% APR*

The loan you refinance must be from another lender; current SOCU auto loans are not eligible

Example Cash Back









No Payment for 90-Days

Defer your loan payment for the first 90 days after the loan closing. Take a payment vacation or get ahead of the monthly payment requirement.



Guaranteed Asset Protection (GAP)

In the event of a car accident, if your vehicle is considered a total loss, this optional coverage will pay the difference between your loan balance and the amount covered by your primary insurance carrier.

Credit Life & Disability Insurance

Credit Life Insurance can help reduce or pay off your loan balance, up to the maximum limit should you or a co-borrower pass away. Credit Disability Insurance can help make monthly loan payments, up to the maximum limit, should you become totally disabled, until you are no longer disabled.

Trustage Auto Insurance

If you haven't compared auto insurance rates lately, it's a great time to take a look. Your credit union membership could result in some nice savings. Check out our partnership with Trustage and Liberty Mutual Insurance.

Apply Here

*APR=Annual Percentage Rate. All loans are subject to credit, income and membership eligibility. Other restrictions and conditions may apply. Visit a SOCU branch or for complete details. Offer is valid for personal vehicle loan refinance applications submitted 04/13/20 - 12/31/20 and loan amounts $10,000 and greater funded within 30 days of application. Offer may be changed or discontinued at any time without notice. 1.00% cash back is calculated on the funded loan amount with a maximum payout of $500.00. Refinance of an existing SOCU auto loan is not eligible for cash back. Cash back will be deposited to a SOCU account within 7 to 10 business days of final loan agreement. 2.49% APR is available to FICO scores 730+, year model 2018 and newer, LTV up to 100% and terms up to 66 months. Additional 0.25% discount for auto pay from a SOCU deposit account may be applied but rate cannot be lower than 2.49% APR.

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