48 Month Term
As low as*
See Today's Rates
*These rates are current as of May 6, 2020.
Does your vehicle qualify for refinancing?
Make sure your vehicle is
- Under 12 years old
- Under 120,000 miles
- A personal use vehicle
Your current auto loan must have
- A balance between $5,000 and $75,000
- Funded at least 1 month ago
- At least 12 months of payments left
*Annual Percentage Rate (APR) estimates represent the lowest available rates in Swap My Rate’s standard refinance rate matrix. The rates outlined above are inclusive of certain assumptions regarding loan to value ratio (LTV), debt to income ratio (DTI), payment to income (PTI), unsecured ratio, auto transfer or auto-debit, and other applicant stability parameters. In addition to an individual’s LTV and DTI, the actual APR you may receive is dependent upon many factors evaluated at the time of application and during the underwriting process, which may include, and are not limited to, credit score, credit usage and history, loan amount, and loan term. All loans are subject to credit review and approval. Not all borrowers will qualify for the lowest rate available. Certain terms and conditions may apply. Swapmyrate.com and Oklahoma Educators Credit Union reserve the right to terminate, adjust, discontinue, or modify any program or offer at any time without prior notice given.