Auto Loan Refinancing with Pillar Credit Union
Lower your payment. Pay off faster. Keep more in your pocket.
At Pillar Credit Union, member-first lending means competitive rates, flexible terms, and local decisions. Refinance your current auto loan and see how much you could save without the big-bank runaround.
Why Refinance with Pillar Credit Union?
Member-owned value: We return value to members through competitive rates and fewer fees.
Local decisions: Fast, personal service from people who know our community. Non-automated decision-making keeps the human element alive.
Straightforward options: Flexible terms to match your budget and goals.
Trusted guidance: A PCU loan representative will reach out to help you step-by-step.
What You Could Gain
Lower monthly payment by reducing your rate or extending the term
Pay off faster by choosing a shorter term when it fits your budget
Save on interest over the life of your loan
Consolidate add-ons into one simple payment, if desired
Savings depend on creditworthiness, remaining term, vehicle details, and current rate.
How It Works
Apply online: Use the Used Car Loan Application.
We review & connect: A PCU loan officer will contact you shortly to discuss options.
We handle the details: We’ll coordinate payoff with your current lender and guide title/DMV steps.
You start saving: Finalize your new loan and enjoy a potentially lower payment or faster payoff.
What You’ll Need
Current lender name, loan/account number, and payoff amount (or a recent statement)
Vehicle details (VIN, mileage, year/make/model)
Driver’s license and proof of insurance
Proof of income (e.g., recent pay stubs)
Membership eligibility information (if you’re new to PCU)
Must be a member to apply. Not a member yet?
Federally insured by NCUA.
Equal Opportunity Lender.
All loans subject to approval. Membership eligibility required. Terms, conditions, and rates subject to change.