St. Louis auto refinancing: Lower your monthly car payment and pay less in total interest
Refinance Your Auto Loan in St. Louis
Since March 2017, when we began tracking how much we were saving members by refinancing the loans they had from other banks, credit unions and financing companies owned by auto manufacturers, we have collectively saved our members $1,333,581.
No one wants to be stuck paying too much for their car. Get a great deal on an auto refinance/monthly payments in St. Louis, Jefferson County, the metro-east area and several other counties in Missouri.
A year-by-year breakdown on how much we’ve saved our members
- 2021: ACU saved members $92,687.86 (through April)
- 2020: ACU saved members $267,179.04
- 2019: ACU saved members $369,818.25
- 2018: ACU saved members $337,124.18
- 2017: ACU saved members $266,773.66
Learn more about what makes our auto loans different than other lenders.
See if we can help you save money in St. Louis with auto refinancing
We’re happy to do the calculations for you!
Using the year of your vehicle, your current loan rate, term and your remaining balance, we’ll compare it with our rates and terms based on your current credit score to determine how low your payments could be and how much we could save you overall. There are no credit union fees to move your auto loan from another lender to Arsenal.
Contact our auto refinance specialist, Tracey Fleischman, directly at 314.919.1046 or complete the short form below and we will get back to you during normal business hours.
A look at which Arsenal member saved the most money each month
The table below shows you just how much lower our interest rates are compared to others and how much less in interest our members had to pay after switching to us.
| Arsenal CU Member | Month | Initial Rate from Another Lender | Rate from Arsenal CU Based on Creditworthiness | Auto Loan Amount Refinanced | Total Interest Savings |
|---|---|---|---|---|---|
| John M. | April 2021 | 8.45% APR from Chrysler Capital | 3.24% APR from Arsenal | $36,483.38 refinanced | $6,988.02 in total interest savings (with term shortened from 73 months to 63 months, too!) |
| Sammie H. | March 2021 | 13.55% APR from USAA | 5.75% APR from Arsenal | $22,719.90 refinanced | $7,933.03 in total interest savings (with term shortened from 60 to 48 months, too!) |
| Dan B. | February 2021 | 17.92% APR from Toyota Finance | 6.74% APR from Arsenal | $22,646.21 refinanced | $8,495.42 in total interest savings (with term shortened from 60 to 57 months, too!) |
| Don C. | January 2021 | 10.59% APR from Ally Financial | 4.74% APR from Arsenal | $49,306.93 refinanced | $10,168.26 in total interest savings |
| Tylia G. | December 2020 | 6.00% APR from Hyundai Finance | 3.40% APR from Arsenal | $36,655.02 refinanced | $4,222.46 in total interest savings (with term shortened from 72 to 63 months, too!) |
| Carissa K. | November 2020 | 18.00% APR from Regional Acceptance Corporation | 4.94% APR from Arsenal | $13,468.43 refinanced | $7,036.31 in total interest savings |
| Mattie S. | October 2020 | 21.00% APR from Santander Bank | 11.50% APR from Arsenal | $14,750 refinanced | $10,074.67 in total interest savings (with term shortened from 74 to 72 months, too!) |
| Delbert C. | September 2020 | 5.63% APR from BMO Harris Bank | 3.35% APR from Arsenal | $36,241.13 refinanced | $4,193.18 in total interest savings (with term shortened from 84 to 63 months, too!) |
| Baylee L. | August 2020 | 14.27% APR from a local credit union | 4.74% APR from Arsenal | $15,472.34 refinanced | $6,145.38 in total interest savings (with term shortened from 78 to 72 months, too!) |
| Brian M. | July 2020 | 13.00% APR from Ally Financial | 5.49% APR from Arsenal | $29,908.32 refinanced | $9,561.39 in total interest savings (with term shortened from 75 to 72 months, too!) |
| Michelle K. | June 2020 | 22.00% APR from Westlake Financial Services | 6.49% APR from Arsenal | $18,725.15 refinanced | $12,103.37 in total interest savings (with term shortened from 72 to 69 months, too!) |
| Jeff H. | May 2020 | 6.75% APR from PNC Bank | 4.25% APR from Arsenal | $56,486.25 refinanced | $6,287.08 in total interest savings (with term shortened from 84 to 78 months, too!) |
| Timothy W. | April 2020 | 23.00% APR from Santander Bank | 4.00% APR from Arsenal | $17,201.52 refinanced | $10,131.64 in total interest savings (with term shortened from 72 to 63 months, too!) |
| Charles P. | March 2020 | 6.93% APR from PNC Bank | 3.99% APR from Arsenal | $39,838.90 refinanced | $8,399.80 in total interest savings (with term shortened from 84 to 63 months, too!) |
| Deborah D. | February 2020 | 6.58% APR from Ally Financial | 4.50% APR from Arsenal | $57,552.18 refinanced | $6,349.00 in total interest savings (with term shortened from 84 to 72 months, too!) |
| Jason A. | January 2020 | 7.00% APR from GM Financial | 3.99% APR from Arsenal | $35,642.84 refinanced | $4,407 in total interest savings (with term shortened from 72 to 63 months, too!) |