Refi My Ride

Refi My Ride is 1DCU’s auto loan refinancing program. Nearly two-thirds of the loans we’ve refinanced started with rates higher than 10 percent. You deserve better than that. Even if you have less-than-stellar credit, we can help cut your interest rate in half and - on average - put an extra $50 or $60 in your pocket every month. That means extra cash for groceries, to put toward a vacation, or however you want to spend it.

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No Hidden Costs

The length of your loan will remain the same; the only things that change are a lower interest rate and lower monthly payment. No catch, no hidden fees, just better rates.

Please note there is a $75 processing fee, effective December 21, 2020. 

Quick & Convenient

The refinance paperwork can be completed in about 30 minutes. In most cases, once we have all the information, you’ll find out on the next business day whether you’ve been approved.

Helping the Community

Our members have already saved more than $4.7 million on their auto loans by refinancing with 1DCU. That’s money going directly back into our local community, instead of into the hands of predatory lenders.

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Got questions? Visit our FAQ page.


*Term of up to 72 months; maximum secured loan amount is $60,000 and loan to value shall not exceed 125% of vehicle value. The annual percentage rate (APR) is the Credit Union’s standard rate. The floor rate for Refi My Ride is 3%.  All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice.