Paying too much on your current car loan? Refinancing with BrightStar could lower your rate, reduce your monthly payment, or both — and you won't make a payment for the first 90 days.
Why Refinance with BrightStar?
Lower Your Rate
If your credit has improved or rates have dropped since you financed, you could qualify for a significantly lower rate with BrightStar.
No Payments for 90 Days
When you refinance, your first payment isn't due for 90 days — putting money back in your pocket right away.
No Fees to Apply
No application fees, no origination fees, and no prepayment penalties. Just a better rate on your existing vehicle.
How It Works
Refinance Rate - As Low As
@5.25% APR*
Preferred Members
Standard: @5.50% APR
Should You Refinance?
Refinancing makes sense if any of these apply to you:
How Much Could You Save?
Current Payment
BrightStar Payment
Monthly Savings
Total Savings
*Estimated savings based on a BrightStar rate of % APR. Your actual rate may vary. For illustration purposes only.
What You'll Need to Apply
Your current loan details — lender name, account number, and payoff amount
Vehicle information — year, make, model, mileage, and VIN
Proof of income and valid ID — same as any loan application
Refinancing an Electric Vehicle?
If you're refinancing a fully electric or plug-in hybrid vehicle, you qualify for an additional 0.25% rate discount on top of our standard refinance rate.
Learn About EV LoansRefinancing FAQ
Find answers to common questions about our checking accounts and services.
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Important Disclosures
*APR = Annual Percentage Rate. Conditions and credit approval apply. Individuals who meet the lending and account criteria may qualify for rates as low as 5.25% APR* for Platinum Star Members and as low as 5.50% APR* for non-Platinum Star Members for 36 months. Other rates and terms are available. Your actual rate, term and payment may vary, depending on your credit history, loan amount and other factors. Offer does not apply to refinancing of BrightStar CU auto loans.
***By completing and handing in the form, I authorize BrightStar Credit Union to extend my final loan payment by one month. Only BrightStar accounts can be debited. I authorize BrightStar CU to deduct the $40 processing fee (which is a FINANCE CHARGE) from the account indicated above (or I will enclose a check or a money order for my payment). I understand that interest will continue to accrue on my loan during the month(s) I skip my payment(s). Loan payments normally made by direct deposit or payroll deduction will be deposited into my savings account. BrightStar cannot stop Automatic Clearinghouse (ACH) payments. I understand that if my loan payment is set up to deduct automatically, it is my responsibility to contact my financial institution to stop payment for the month that I will be skipping a loan payment. I understand that skipped payments will result in more periodic payments, increased periodic payment amounts or a larger final payment as determined by the Credit Union in its sole discretion. Please note that Credit card, Home Equity, Commercial Loans, and Mortgage Payments are not eligible for this skip-a-payment offer. BrightStar CU reserves the right to deny this offer for any reason. Offer is subject to cancellation. Some restrictions apply. Offer is subject to change at any time. Questions? Call us at 954-486-2728.
Attention: If you reside in Wisconsin (WI), Iowa (IA), New Hampshire (NH), Louisiana (LA), Virginia (VA), Colorado (CO), District of Columbia (DC), Maine (ME), Massachusetts (MA), Missouri (MO), Nebraska (NE), West Virginia (WV), or South Carolina (SC), BrightStar Credit Union cannot finance certain secured loans at this time. The affected loan products are all vehicle loans and share/CD secured loans, excluding business auto loans and secured credit cards.
Ready to Lower Your Car Payment?
Apply to refinance your auto loan in minutes. No fees, no hassle, no payments for 90 days.