Refinance your Auto Loan with GHS and cut your interest rate in half*

If you own a vehicle, you most likely have a vehicle loan with an interest rate that is raising the payment and amount spent on your the term of your loan.

Refinance your auto loan and ‘Drive Down Your Auto Payment’ with GHS Federal Credit Union! Even with less-than-excellent credit, we will help you cut your current interest rate in half* while maintaining your term – putting extra cash in your pocket!  

Cut Your Interest Rate in Half*

Decrease Your Monthly Payment

Maintain Your Term and Stay On Track To Pay Off Your Loan

Apply Conveniently Online

Half the Rate All the Savings

If you have an auto loan, you are eligible to apply to cut your interest rate in half-no extra fees or changes to the term of your loan*. By keeping the length of your loan the same and lowering your interest rate, you’ll see your monthly payment go down, and the amount of extra money in your pocket go up.

Fast & Easy Application

Refinancing is fast and easy with GHS Federal Credit Union. Apply conveniently online now – it only takes a few minutes to complete. Or, visit one of our branch locations to work with a local lender. In most cases, once we have received all of the necessary information, you’ll find out on the next business day whether you’ve been approved!

Questions? We’ve Got Answers

When you become a member of GHS Federal Credit Union, you not only get incredible rates and offers on your loans and finances – you get a local team that understands your individual needs and is there with you through every step of your financial journey. Stop into a branch, or call us at 800-732-4444.


*Term of up to 84 months; maximum secured loan amount is $60,000 and loan to value shall not exceed 120% of vehicle value. The annual percentage rate (APR) is the Credit Union’s standard rate. The floor rate for ‘Drive Down My Auto Payment’ is 2% APR. Rate may vary depending on each individual’s credit history and underwriting factors. Auto Loans currently held with GHS Federal Credit Union are not eligible for the ‘Drive Down My Auto Payment’ program. All Credit Union loan programs, rates, terms, and conditions are subject to change.

Refinancing Your Auto Loan Is Easy




Tell us about yourself and the vehicle that you would like to refinance, via the online form, calling one of our loan officers, or visiting one of our branches.



We’ll confirm the information and let you know if we require any additional documentation.



Once you are approved we’ll pay off your previous loan and help you transfer the title.