Vehicle Loans & Refinance Options 121 Financial Credit Union has some of the absolute best loan rates in town for new or used vehicles and we make it easy to buy from almost any dealership.

Great Loan rates for new or used cars & trucks

Are you ready to ride in style in a new or a “new to you” vehicle? With a low-interest vehicle loan from 121 Financial Credit Union, you can purchase a new or used car, truck or SUV from literally any dealership in town.

Step 1: Apply and qualify for a new or used vehicle loan with us. We finance up to 100% of the deal, including those pesky fees dealerships sometimes throw on at the end. You’ll receive a “draft” of your loan, including the amount you are approved to pay for a car (total).

Step 2: Go test drive!

Step 3: Once you’ve found the car or truck or SUV of your dreams, just hand over your draft document to the finance folks at the dealership. Congratulations, you just bought a new vehicle.

  • Guaranteed low interest rates - below most banks and dealerships
  • No fee to apply for a loan
  • Flexible monthly payment options
  • We will beat loan drafts from other institutions

APR* as low as 2.04%
FINANCING: up to 100%
LENGTH OF LOAN: up to 84 months

*APR = Annual Percentage Rate.

Refinance your Auto Loan & Lower your Payments

Love your car but not your car loan? Refinancing your auto loan from another lender with 121 Financial may help you lower your interest rate, decrease your monthly payments, or even pay off your auto loan sooner.

Cash-in on your Equity with a Cash-out Refinance

Do you need a little extra cash right now or have a large amount of debt you’d like to pay off? A cash-out auto refinance allows you to use the equity in your vehicle to receive a lump sum payment. It’s similar to refinancing, but instead you replace your existing auto loan with a new loan with a lower rate and payments.

*Excludes loans already financed with 121 Financial or equity from clear title. Applies to auto loans only. Not available on business loans. $10,000 minimum loan amount. $100 cash back for loan amounts of $10,000 - $24,999 and $200 cash back for loan amounts of $25,000 or more. Cash back will be deposited into the member’s account. Promotion may be canceled at any time. Membership is required.

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