Auto Loan Promo

Counting cash savings after auto loan refinancing, showcasing the benefits of lower rates and cashback rewards for smart financial decisions.

Refi Your Car & Get Fast Access to Cash!























Refinance your car - Get 1% cash back up to $500 next day.

The lending professionals at KEMBA Financial Credit Union can explain the potential benefits of refinancing your current loan and then steer you in the right direction.
  • Pay off your car faster or lower your monthly payment.
  • Get cash equity out to help with current expenses or high-rate debts
  • No payments for 90 days



When to Consider an Auto Loan Refinance

  • You have high-rate debt, including other loans and credit cards, and you could benefit from consolidating it into one, easy to manage, low-rate loan.
  • Your credit score has improved from the time you took out your original loan
  • You originally financed your car when rates were higher, so now you can save money by securing a new lower rate
  • You need quick access to cash and have equity in your car to provide you a lump sum of money
  • You need to adjust the term of your loan to pay it off faster or slower
  • You're dissatisfied with your current lender
If you're still unsure if you could benefit from an auto loan refinance, rely on us to help you weigh the pros and cons.





























Speak With Our Experts

Auto Loan Application

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Here to Help



At KEMBA Financial Credit Union, we offer personal banking solutions for Central Ohio residents, as well as a full suite of personal banking products and services with low fees, competitive rates on credit cards, home mortgages and home equity loans, auto loans, personal and student loans, and financial wellness and counseling services.

To learn more, call us at 614.235.2395, option 4, or visit one of our local branches in Pickerington, Gahanna, Bellefontaine, Clintonville, Grove City, Hamilton Quarter, Hilliard, Lewis Center, Powell, Reynoldsburg, Westerville or Whitehall. Our dedicated associates will help you navigate your individual financial situation and help you discover why KEMBA is a better way to bank.
Disclosures
Rates valid as of 2.1.2025 for up to 51-month term. APR = Annual Percentage Rate. Document preparation fee of $124 waived on loans with 51-month term, credit score of 725+, and vehicles year 2022 or newer. Loans subject to credit qualifications and approval. APR will vary based on credit score, loan-to-value, age of vehicle, KEMBA Advantage status, payment method, and document preparation fee. Interest will accrue during deferral period and will increase the total amount to repay the loan. 1% cash back up to $500 available on vehicle refinances only, new money only, existing KEMBA loans are not eligible. Business auto loans excluded. Cash back will be deposited into Primary Savings Account prior to 11:59:59 p.m. the next business day following the loan funding. Loan must be funded on or before 3.31.2025 to receive the payout. Payout amount is dependent on amount financed. For example: If you finance a $20,000 auto, you will receive a $200 payout. Cash back will be treated as a dividend payout and is taxable. Please consult a tax advisor to determine how cash back will affect your tax obligations. Visit our Advantage page for Advantage Program details. KEMBA membership, with $5 primary savings deposit, required. Federally insured by the NCUA. Equal opportunity lender. Offer ends 3.31.2025. Offer subject to change at any time.
 
*Important information about your loan application:
A KEMBA membership is required before you can receive a loan. While you can complete and submit the online loan application prior to membership, we require that you join the Credit Union before your loan is funded. Find out if you’re eligible for membership.

Online loan applicants must be at least 18 years old and U.S. Citizens. When you submit an online loan application you are authorizing KEMBA Financial Credit Union to obtain your consumer credit reports from national credit reporting agencies, and contact you via telephone, email, or mail in regards to your application. It is also important to note that information obtained by KEMBA from your loan application may be kept and maintained by the Credit Union for an indefinite period of time, and may be shared with business affiliates of the Credit Union for any lawful purpose. KEMBA is an equal opportunity lender.
 
USA Patriot Act
Customer Identification Program Notification: Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, in order to help the government fight the funding of terrorism and money laundering activities. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

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Whether its securing cash to maintain living expenses or preparing for a large purchase or life event, this could be the solution you need.

Personal loans of up to $50,000 are available with five-year terms!
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