Auto Refinancing

"I love my car but not my rate. It's time to look at my options."
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Tell your loan to hit the road and refinance with us.

When the miles add up but the payment doesn't, you may want to shift gears and refinance your car loan. And while the roads in Pittsburgh may be filled with their share of bumps, auto refinancing with Clearview is a smooth ride. Refinancing with us could mean a lower monthly payment, a more competitive interest rate, or a faster pay off time. No matter your destination, we can help get you there. 

  • Auto refinancing terms available up to 84 months
  • Drive down your monthly payment with a lower interest rate
  • Fast online application process
What's included?
  • Low, fixed rates
  • Flexible repayment terms
  • Easy application process
6.49% APR*
Driven by lower rates
*Rates as low as
View rates go to the rates page

Things to keep in mind before you refinance your car loan

How does auto refinancing work?

When you finance a vehicle, you commit to specific terms including the interest rate, loan duration, and monthly payment. If you want to change these terms, refinancing your vehicle is the way to do it.

The process of auto refinancing involves swapping one loan for another, often to help you save money. After evaluating your current loan and applying for refinancing, if approved, the new lender pays off your original loan, and you start making payments on the new loan according to its terms. Benefits can include lower payments or interest rates. Remember to carefully consider the costs and benefits of refinancing before proceeding, and ensure that the new terms align with your financial goals.

What are the benefits of refinancing my loan?

There are 3 main reasons why you might want to refinance your car loan

  1. Lower your monthly payment: Refinancing offers the opportunity to maintain ownership of your vehicle while adjusting your payments to align better with your monthly budget.
  2. Get a better interest rate: Rates change and so do credit scores. If you now qualify for a lower interest rate, you could save money over the life of the loan by paying less in interest.
  3. Expedite paying off your loan faster: By refinancing to a shorter loan term, you may pay off your loan faster and save on interest costs over time.

What are the advantages of refinancing with a credit union?

Clearview Federal Credit Union is not-for-profit and without shareholders, unlike large banks. That means any profits we earn are given back to members in the form of lower interest rates on auto loans. And we're more willing to work with you on repayment terms that fit your budget. We also have preferred dealer partners that work with us to help you find your next ride!
 

* APR = Annual Percentage Rate. All rates and terms are subject to change without notice. The ‘As Low As’ Rates listed above for Vehicle Loans include a 0.25% discount for repayments made via an auto transfer from a Clearview checking account. Rates and terms are subject to restrictions, based on amount borrowed, vehicle model year, and creditworthiness. All loan approvals are subject to normal underwriting guidelines.
Questions about auto refinancing?
Clearview offers competitive rates and flexible repayment terms. Rates vary by credit score and other collateral details. Until we receive your application, we are unable to determine a final rate.
For current Clearview members, check the “My offers” section within digital banking to see if you’ve been pre-approved. You can apply using this feature or through digital banking by selecting Add Product. You can also apply by starting a video call with Clearview Live®, visiting your local financial center, or calling us directly at 1-800-926-0003.

For new members, you can apply by using our online application, starting a video call with Clearview Live®, visiting your local financial center, or calling us directly at 1-800-926-0003.
 
Once an application is completed, it’s either sent to underwriting for review, or for closing if it has been pre-approved or instant approved.
You'll need to complete an application and, if approved, submit a payoff letter. Other documents or information may be requested on a case by case basis. 
Most times a payoff can be obtained through the lender's website; however, if not, this can be obtained by calling the lender.
Having a copy of a payoff ensures we have the most accurate information for your request.
Generally no, as long as a payoff and payoff information can be obtained.
Because we value members' security, Clearview will not obtain payoffs. Many times companies will only send or provide a payoff to those on the loan.

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I just recently re-financed an auto loan. The transaction was quick, painless, and smart. Thank you to the Delmont location as they sent me an appreciation card as I'm a Police Officer. Thank you for your service as well. I'm going to be a lifelong customer. Thank you. Donald, Member since 2014
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