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Refinance Your Auto Loan

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Refinance Your Auto Loan

Refinance Your Auto Loan in St. Louis

If you’re reading this, there’s a good chance you’re paying too much on your current auto loan.

Get a better deal on your monthly payment in St. Louis, Jefferson County, the metro-east area and several other counties in Missouri when you refinance your car loan at Arsenal Credit Union.

Refinance Your Auto Loan


Since March 2017, we’ve collectively saved our members $1,772,603.75 by refinancing bad, original loans from other lenders.

Competitive rates and long loan terms make it cool to refinance at Arsenal Credit Union

During 2021 we saved people like you an average of $3,315 in total interest* by refinancing bad auto loans they had elsewhere.

One member who moved his $52,704.27 auto loan balance in August 2022 and received a much lower rate and shorter term from us will end up paying $24,165.05 less in interest full term!

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 calculate your monthly auto loan payments 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 current auto loan from another lender to us.

Complete the short form below and we’ll get back to you with your potential savings, monthly payment and new loan term during normal business hours. You can also contact our Auto Loan Refinance Specialist, Tracey Fleischman, directly at 314.501.2455 or tfleischman@arsenalcu.com.

Refinance Your Auto Loan


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

Refinance your auto loan in St. Louis
Keep more cash in your pocket each month with our potential savings

Click on a month/member below to see how much our competitive rates saved members in total interest on their auto loan payments after they switched their original loans to us.

August 2022: Shawn R.
  • Initial rate from another lender: 16.00% APR from Chrysler Capital
  • New rate from Arsenal based on creditworthiness: 5.79% APR
  • Auto loan amount refinanced: $52,704.27
  • Total interest savings: $24,165.05

July 2022: John C.
  • Initial rate from another lender: 12.99% APR from GM Financial
  • New rate from Arsenal based on creditworthiness: 4.74% APR
  • Auto loan amount refinanced: $39,146.99
  • Total interest savings: $10,300.99

June 2022: Eva B.
  • Initial rate from another lender: 8.33% APR from Ally Financial
  • New rate from Arsenal based on creditworthiness: 4.49% APR
  • Auto loan amount refinanced: $41,917.00
  • Total interest savings: $5,145.96 (with term shortened from 72 to 63 months, too!)

May 2022: Dawn S.
  • Initial rate from another lender: 15.00% APR from Prestige Financial
  • New rate from Arsenal based on creditworthiness: 9.74% APR
  • Auto loan amount refinanced: $30,023.16
  • Total interest savings: $7,238.51 (with term shortened from 72 to 63 months, too!)

April 2022: Leona S.
  • Initial rate from another lender: 11.48% APR from Wells Fargo
  • New rate from Arsenal based on creditworthiness: 4.99% APR
  • Auto loan amount refinanced: $51,111.31
  • Total interest savings: $11,300.68 (with term shortened from 78 to 73 months, too!)

March 2022: Robin L.
  • Initial rate from another lender: 8.52% APR from Ally Financial
  • New rate from Arsenal based on creditworthiness: 4.74% APR
  • Auto loan amount refinanced: $42,519.58
  • Total interest savings: $6,551.90

February 2022: Samantha H.
  • Initial rate from another lender: 14.00% APR from Capitol One Auto
  • New rate from Arsenal based on creditworthiness: 5.79% APR
  • Auto loan amount refinanced: $21,017.24
  • Total interest savings: $5,473.85

January 2022: James S.
  • Initial rate from another lender: 17.75% APR from Ally Financial
  • New rate from Arsenal based on creditworthiness: 6.24% APR
  • Auto loan amount refinanced: $44,595.07
  • Total interest savings: $20,077.88

December 2021: Ambrose M.
  • Initial rate from another lender: 10.00% APR from Ally Financial
  • New rate from Arsenal based on creditworthiness: 2.74% APR
  • Auto loan amount refinanced: $21,678.93
  • Total interest savings: $5,612.68 (with term shortened from 66 months to 63 months, too!)

November 2021: Billy H.
  • Initial rate from another lender: 8.99% APR from Carmax Auto Finance
  • New rate from Arsenal based on creditworthiness: 3.74% APR
  • Auto loan amount refinanced: $22,506.89
  • Total interest savings: $4,048.06

October 2021: Michael H.
  • Initial rate from another lender: 23.00% APR from Flagship Credit Acceptance
  • New rate from Arsenal based on creditworthiness: 4.74% APR
  • Auto loan amount refinanced: $16,868.52
  • Total interest savings: $10,258.52

September 2021: Cheryl C.
  • Initial rate from another lender: 6.74% APR from Kia Financial
  • New rate from Arsenal based on creditworthiness: 2.74% APR
  • Auto loan amount refinanced: $42,862.62
  • Total interest savings: $6,157.09 (with term shortened from 75 months to 63 months, too!)

August 2021: Je’nina V.
  • Initial rate from another lender: 10.00% APR from Navy Federal Credit Union
  • New rate from Arsenal based on creditworthiness: 4.25% APR
  • Auto loan amount refinanced: $30,294.29
  • Total interest savings: $6,371.60 (with term shortened from 73 months to 69 months, too!)

July 2021: Carl K.
  • Initial rate from another lender: 18.00% APR from Wells Fargo Bank
  • New rate from Arsenal based on creditworthiness: 8.25% APR
  • Auto loan amount refinanced: $19,935.00
  • Total interest savings: $9,763.10 (with term shortened from 79 months to 60 months, too!)

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 (with term shortened from 74 months to 69 months, too!)

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: $22,719.00
  • 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

Refinance Your Auto Loan


*This figure is based on all members who refinanced an auto loan through Arsenal Credit Union between January-December 2021 and accepted their final terms. To evaluate savings on a loan you are considering refinancing, it is important to compare your APR and remaining term from your existing auto loan to the APR and term offered by Arsenal Credit Union.