Auto Loan Refinance
1% Cash Back Offer

Refinance your auto loan and receive 1% cash back

Paying too much on your auto loan? Put your savings in high gear when you refinance with us. Whether your current loan is from a bank, credit union, or through dealer financing, we'll help lower your monthly payment – and reward you with 1% cash back on your loan amount up to $5001. Cash back applies to the total loan amount, including ancillary products such as Mechanical Repair Coverage and GAP insurance.

Refinance your auto loan with us

Refinance your loan from another bank, credit union or from dealer finaning

Get up to cash $5001 cash back

Cash back is calculated based on the total loan amount. 

Quick and easy application process

Start saving today with a better rate and bonus cash in your pocket.

1. Offer valid from 2/1/2025 through 3/31/2025. Offer applies to the refinance of an auto loan from another financial institution or lender. Refinancing an existing Monterra CU auto loan is not eligible, nor is the refinance of an auto loan previously held by Monterra CU within 60 days prior to an application. Cash back is calculated as 1% of the final total loan amount, including any ancillary products, with a maximum payout of $500. Recipients are responsible for any applicable taxes related to the cash back payment. The bonus is classified as interest paid to the membership Regular (Share) Savings. Any applicable taxes associated with the bonus are the responsibility of the account holder. To the extent required by law, the Credit Union will report the total value of this bonus to the IRS on Form 1099-INT for the tax year in which the bonus was paid. Rates, terms, and special offer subject to change. Conditions and restrictions apply.