Skip nav to main content.
Auto Loan Refinancing

Love Your Car And Love Your Rate!

Low Rates: Enjoy a competitive 5.50% APR**.
Flexible Terms: Choose a repayment plan that fits your budget.
Fast & Easy Application: Get pre-approved in minutes.
Asset 90

No payments for 60 days*

What will you do with some extra cash in your budget?

Asset 145

Flexible terms up to 84 Months

Choose a term that fits your budget, anywhere from 24 to 84 months.

Asset 82

Low rates as low as 5.50%

Save money over the life of your loan with a low interest rate.

quote

Refinancing my auto loan was much easier than I expected. The application process was quick, and I was approved faster than I thought. They helped me lower my interest rate, which brought my monthly payment down and saved me money in the long run. The staff was friendly and took the time to explain everything clearly. Overall, it was a smooth, stress-free experience.

-Robert G.

quote

Refinancing my auto loan was far more enjoyable than I expected something involving finances to be. The process was quick, the team was efficient, and they secured me a better rate that lowered my monthly payment. They also handled the payoff of my old loan, which saved me from a lot of paperwork (and mild frustration). Bottom line: I’m paying less, stressing less, and wondering why I didn’t do this sooner. Highly recommend.

-Victoria R.

quote

I decided to refinance my car loan with my credit union to get a better rate, and I’m really glad I did. The process was simple from start to finish, and communication was great. They handled the payoff of my old loan and made the transition seamless. Now I have a lower payment and more breathing room in my budget. I’d definitely recommend refinancing with them to anyone looking to save on their auto loan.

-Beth B.

Rates as low as
APR**

Let's see what your monthly payment could be.

Monthly Payment

Loan Amount
$
Loan Rate
%
Months
Quick application and fast approval

Get out of that old rate quickly

Whether you're looking to lower your monthly payment, reduce your interest rate, or both, we make the refinance experience simple and transparent.

Auto loan protection

Protect yourself from life's mishaps

If you break down, are unable to pay your loan, or have an accident, auto loan protection products can give you and your family peace of mind. For example, Member Credit Protection (MCP) can forgive your loan if you total your vehicle or pass away. Learn about MCP, Vehicle Service Contracts, GAP protection, and more.

How it works

It's easy to refinance your auto loan from Lone Star Credit Union.

  • 1

    Apply online

    It takes just a few minutes.

  • 2

    Get approved, fast

    We'll review your application.

  • 3

    Enjoy your new rate

    Drive happy with your new loan rate.

Get Pre-Approved Today

Top questions

  • Yes,. On the desktop version of digital banking click the plus sign to take you to the Apply for Loan option.

    On mobile, tap the plus sign at the bottom of your screen and then tap Apply for Loan to begin the process.

  • Make your LSCU loan payment using another checking account, savings account, or debit card through our secure Online Payment Center. If you are making a payment from your LSCU account, please transfer your payment within digital banking.

    Please note: Your payments may not exceed $1,500 per entry. If you would like to setup recurring payment from another financial institution, please give us a call at 214.327.9367.

Want to learn more about refinancing your auto loan in East Texas? Read our refinancing guide

Shopping for the best auto loan refinancing in East Texas? We’ve answered your questions.

 

Have a question? Contact us

We can help you get an auto loan quickly that works with your budget

With low rates, fast approval, flexible financing, and plenty of loan protection services, buying your next vehicle has never been easier.

  • * Interest begins accruing the day the loan is funded.  Does not apply to vehicles currently financed through Lone Star Credit Union.

    **APR = Annual Percentage Rate. Rates are effective June 2, 2025 and are based on creditworthiness. Subject to credit approval.Must be 18 years or older for any loan at Lone Star Credit Union. Rates subject to change at any time. Loan application and approval required.

    Used vehicles were previously part of the Enterprise rental fleet and/or an affiliated company’s lease fleet or purchased by Enterprise from sources including auto auctions, customers trade-ins or from other sources, with a possible previous use including rental, lease, transportation network company or other use. The “e” logo, “Enterprise”, “Enterprise Certified”, “Enterprise Car Sales” & “Buy. Sell. Trade. Enterprise Makes it Easy.” are all trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners.