Auto Loan Refinancing

Take Control of Your Auto Loan

If you're driving around Temple and still paying more than you should on your current Auto Loan, it might be time to explore your options. Auto Loan refinancing gives you a chance to replace your existing loan with a new one, ideally with a better rate, a new term, or a lower monthly payment.

At Scott & White Employees Credit Union (SWECU), we’re here to help our neighbors in Temple take control of their car financing and find solutions that better suit their budget.

Why Refinance Your Auto Loan?

Refinancing could be a smart move if:

  • Your credit score has improved since you first financed your car

  • You’re stuck with a high interest rate from dealer financing

  • You want to reduce your monthly payments or shorten your loan term

  • Rates have dropped since you took out your current loan

Even if your loan seems fine now, a quick check could reveal an opportunity to save. SWECU is here to help you explore the possibilities with no pressure, just friendly, local support.

Benefits of Refinancing with a Credit Union

Refinancing with a credit union like SWECU can offer several advantages over national lenders. Because we're a not-for-profit cooperative, we focus on helping real people, not shareholders.

What does that mean for you? It means personal service, competitive rates, and a team that’s right here in Temple. We’re not just your lender; we’re your partner. And when you refinance with us, you become part of something local and member-focused.

Current Auto Loan Refinance Rates

Want to know what your new rate might look like? Head over to our rates page for the most up-to-date information on auto refinancing options. Even a small drop in your rate can lead to real savings over the life of your loan.

Join SWECU and Refinance Today

If you’re not yet a member of SWECU, it’s easy to join, and we’d love to welcome you. Once you’re a member, refinancing your Auto Loan with us is straightforward. Our team is here to guide you through each step with care and clarity.

Refinance Locally. Save More.

At Scott & White Employees Credit Union, we believe Temple drivers deserve better Auto Loan options. Whether you’re looking to reduce your rate or adjust your payment schedule, we’re here to help you make the most of your finances.

Start your refinance journey with a team that knows and cares about our community.