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Auto Loan Refinancing

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Auto Loan Refinancing

Refinance Your Auto Loan in St. Louis

Lower your monthly car payment and pay less in total interest

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 when you switch to Arsenal Credit Union.


Since March 2017, we’ve collectively saved our members $1,743,287 by refinancing bad auto loans from other lenders.

It’s cool to save money on your auto loan

Here’s a short breakdown of how much we’ve saved members since we began tracking refinanced auto loans they had from other banks, credit unions and financing companies owned by auto manufacturers.

  • 2021: ACU saved members $165,470.55 (through June)
  • 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

Refinance Your Auto Loan


Let us help you save money in St. Louis with auto refinancing

Refinance your auto loan in St. Louis
We put saving money on the map

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 us.

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.

Contact Tracey Today


A look at which Arsenal member saved the most money each month

Refinance your auto loan in St. Louis
More cash in your pocket each month

Click on a month/member below to see how much lower our interest rates are and how much less in interest our members had to pay after making the switch to us.

June 2021: Tyese W.
  • Initial rate from another lender: 26.50% APR from Flagship Credit Acceptance
  • New rate from Arsenal based on creditworthiness: 10.24% APR
  • Auto loan amount refinanced: $20,701.36
  • Total interest savings: $14,557.66

May 2021: Mindi C.
  • Initial rate from another lender: 19.00% APR from Santander Bank
  • New rate from Arsenal based on creditworthiness: 11.24% APR
  • Auto loan amount refinanced: $27,107.89
  • Total interest savings: $9,974.01 (with term shortened from 74 to 63 months, too!)

April 2021: John M.
  • Initial rate from another lender: 8.45% APR from Chrysler Capital
  • New rate from Arsenal based on creditworthiness: 3.24% APR
  • Auto loan amount refinanced: $36,483.38
  • Total interest savings: $6,988.02 (with term shortened from 73 to 63 months, too!)

March 2021: Sammie H.
  • Initial rate from another lender: 13.55% APR from USAA
  • New rate from Arsenal based on creditworthiness: 5.75% APR
  • Auto loan amount refinanced: $22,719.90
  • Total interest savings: $7,933.03 (with term shortened from 60 to 48 months, too!)

February 2021: Dan B.
  • Initial rate from another lender: 17.92% APR from Toyota Finance
  • New rate from Arsenal based on creditworthiness: 6.74% APR
  • Auto loan amount refinanced: $22,646.21
  • Total interest savings: $8,495.42 (with term shortened from 60 to 57 months, too!)

January 2021: Don C.
  • Initial rate from another lender: 10.59% APR from Ally Financial
  • New rate from Arsenal based on creditworthiness: 4.74% APR
  • Auto loan amount refinanced: $49,306.93
  • Total interest savings: $10,168.26