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Exclusive Offer

You're Pre-Approved!

Refinance with CommonWealth 
for Cash Back & More.

Let's make your car payment work for you, not against you. Explore the benefits of refinancing your auto loan from another financial institution to CommonWealth Central Credit Union. Contact us today to run the numbers and see if refinancing is the right move for you. Your road to financial freedom awaits!

Here is why it’s a smart move to refinance to CommonWealth:

  • Earn Cash Back: Bring your auto loan from another lender to us and receive 1% cash back!1
  • No Payments for 90 Days:2 More time to save and prioritize goals.
  • Competitive Rates: Refinance with us and save with a lower rate.
  • Lower Monthly Payments: Cut your monthly costs and ease your budget.


Ready to refinance your auto loan? Have these handy when you apply:

✔ Current vehicle registration
✔ Proof of insurance
✔ Recent loan statement
 

Ready for something new-to-you?

Get a 1.00% APR discount4 when you finance a certified used car from Enterprise Car Sales. Prefer another seller? You can still finance with CommonWealth.

Save more—whether you refinance or upgrade. Getting started is easy:

smiling family in car

Auto Loan Benefits with CommonWealth

Guaranteed Asset Protection (GAP)

GAP Advantage helps cover the difference between your auto loan balance and insurance payout if your vehicle is totaled. Plus, get a $1,000 credit toward financing a replacement vehicle with us.

Wealth Protection

Wealth Protection helps cancel or waive loan payments if you face loss of life, disability, or involuntary unemployment. Protect your finances and ease your family’s worries during unexpected life events.

Mechanical Breakdown Insurance (MBI)

Avoid costly repairs with MBI, covering mechanical issues, roadside assistance, rental reimbursement, and more. Accepted at most licensed repair facilities and fully transferable to increase resale value.

Ready to get started?

Apply Now

Contact Us Today

Contact Information
What is the best way to contact you?

For your security, please avoid including sensitive information (like your member number) in this form. For account-specific questions, log in to Online Banking to send a secure message or call us at (800) 564-1588.

1APR=Annual Percentage Rate. The rate you receive will be based on certain creditworthiness factors and approximate repayment and may be higher than the rate shown above. Please ask us for the rate for which you qualify. All rates are subject to approximate loan term limits and certain restrictions may apply. Rates are subject to change without notice. Rates are for new loans only, refinance terms will differ. There are minimum loan amounts required for some loan terms. Contact us for minimum loan amounts by term, maximum loan amounts and loan-to-value requirements.

21% cash back offer valid only for vehicles refinanced from another financial institution. 1% cash back will be paid at loan closing. Refinance of existing CommonWealth auto loans do not qualify. You must keep your auto loan open for 12 months in order to keep the 1% cash back incentive. Cash back incentives over $599.99 are subject to IRS reporting on form 1099-NEC.

3If you take advantage of the “no payments for 90 days” option finance charges will still accrue, the total finance charges paid on your loan will increase, and the maturity date of the loan will be extended. Minimum FICO score 680.

4APR=Annual Percentage Rate. 1.00% off the current rate. The current rate will vary based on creditworthiness and terms. Financing for qualified CommonWealth Central Credit Union members. Offer valid only on Enterprise Car Sales vehicles. This offer cannot be combined with any other offer. 1.00% rate discount only applies to loan terms of 60 months or less. CommonWealth membership required. Not all buyers will qualify. Loan payment example: $18.87 per month for each $1,000 borrowed at 4.99% APR for 60 months. Rate advertised includes discount.