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Refinance Your Auto Loan

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Refinance Your Auto Loan

Refinance Your Auto Loan in St. Louis

From now until Dec. 31, 2021, refinance your auto loan from another lender at Arsenal Credit Union and get a 1% cash-back bonus. Add 90 days with no payments, and you’re on the road to savings*.

No one wants to be stuck paying too much for their car with their 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 $1,504,378.70 by refinancing their bad, original loans from other lenders.

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

Through the first seven months of this year, we have saved people like you an average of $3,629 in total interest** by refinancing bad auto loans they had elsewhere. In July 2021, we helped a member who will end up saving $9,763.10 in interest full term. Plus, we shortened their payment length from 79 to 60 months!

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 $263,483.57 (through September)
  • 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 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 will 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.

September 2021: Cheryl C.
  • Initial rate from another lender: 6.47% 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’nine 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
  • 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

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

Refinance Your Auto Loan


*Subject to credit approval and proof of consistent income is required. Offer valid through Dec. 31, 2021. The 1% rebate is calculated off the amount of the new loan and deposited into your Arsenal savings account after the loan has been in good standing for six months. For example, on a $30,000 auto loan balance, you’d receive $300. Maximum incentive is $300. Does not apply to existing Arsenal loans. Interest will continue to accrue during the 90-day deferral period. Must mention this offer when applying.

**This figure is based on all members who refinanced an auto loan through Arsenal Credit Union between January-July 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.

Membership eligibility required. Qualifying is easy! See if you’re eligible here.