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Low, fixed loan rates
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Flexible repayment terms
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Easy application process
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. While the roads in Pittsburgh, PA may be filled with their share of bumps, auto refinancing with Clearview Federal Credit Union 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.
What you could gain with auto refinancing
- Auto refinancing terms available up to 84 months
- Drive down your monthly payment with a lower interest rate
- Easy online application process with fast decisions
Refinancing lets you realign your loan with your life. Our team makes the process simple, so you can spend less time worrying about payments and more time enjoying the road ahead.
Shift into savings
5.24% APR
Get a good deal on your next ride.
Things to keep in mind before you refinance your car loan
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How auto refinancing works
Refinancing simply means replacing your current auto loan with a new one that offers better terms. If your credit has improved, interest rates have dropped, or you just want to adjust your monthly budget, refinancing could be the right choice for you.
Things to consider:
- Your current interest rate vs. new potential rate
- Your remaining loan balance
- Your vehicle’s age and mileage
- Total interest paid over time
- Loan term options
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Auto refinancing vs buying a car in Pennsylvania
When you first purchased your vehicle, you agreed to specific terms including rate, loan duration, and monthly payment. When you refinance with Clearview, we pay off your existing loan, and you begin making payments to us based on your new terms. We'll help you review all the factors to ensure the new loan aligns with your financial goals.
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Benefits of refinancing your car loan
There are 3 main reasons why you might want to refinance your car loan
Key factors include:
- Lower your monthly car payment: Refinancing offers a great opportunity to keep the vehicle you love while adjusting your payments to better fit your monthly budget.
- Secure a better interest rate: Interest 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.
- Pay off your loan faster: Choosing a shorter loan term may reduce long-term interest costs and help you own your car sooner.
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Why choose credit union auto refinancing
Credit unions are not-for-profit and without shareholders, unlike large banks. At Clearview, a Pennsylvania credit union, that means any profits we earn are given back to members in the form of lower interest rates on auto refinancing, educational resources, and digital tools to help our members take advantage of all of life’s opportunities.
Auto Refinancing FAQs
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Clearview offers competitive rates and flexible repayment terms to support you. Because rates can vary based on your credit score and other details, we can determine your final rate after you complete an application.
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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.
For current Clearview members, check the “My offers” section within digital banking to see if you’ve been pre-approved. You can also apply using our online application 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.
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.
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We do not have a minimum credit score to apply for a loan.
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You will need to complete an application. If approved, we will ask for a payoff letter from your current lender. We'll let you know if any other information is needed to complete the process.
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