With Your Current Auto Loan?

You could WIN 1 Year of Loan Payments* when you refinance!


Nationwide auto inventories are at an all-time low. Now is the time to refinance your current auto loan and start saving on monthly payments. When you refinance your current auto loan with BrightStar, you'll be entered for a chance to win ONE FULL YEAR of auto loan payments. You have until December 31, 2021, to refinance for a chance to win.

Why refinance with BrightStar?

  • Competitive rates starting at 1.75% APR* with flexible loan terms.
  • Chance to win one full year of auto payments.*
  • Get up To $150 cash** deposited into your BrightStar Savings Account
  • No car payment for 90 days
  • 2 skip a payments every 12 months***

*APR = Annual Percentage Rate. Conditions and credit approval apply. Individuals who meet the lending and account criteria may qualify for rates as low as 1.75% APR* for Platinum Star Members and as low as 2.25% 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. Not combinable with other promotions.

Each entry will have refinanced an existing auto loan from another institution within the sweepstakes period. One (1) borrower/respondent will be randomly chosen to have 12 months paid off of their auto loan up to a maximum of $4,200. If the winner’s total loan amount is higher than $4,200, we will only pay up to the maximum stated. If the contest winner’s loan amount is lower than the maximum stated, the difference will not be awarded. Sweepstake begins November 1, and ends December 31, 2021. BrightStar Credit Union reserves the right, in its sole discretion, to modify, cancel or suspend this Sweepstakes should any cause or problem corrupt or inhibit the administration, security or proper operation of the Sweepstakes and, in such situation, to select the winner from entries received prior to the action taken or in such manner as deemed fair and appropriate by BrightStar Credit Union. BrightStar Credit Union may use winner’s name, likeness and city name for promotional purposes without additional compensation, except where prohibited by law. Employees, officers, directors, and representatives of BrightStar Credit Union and immediate family members (spouse and parents, siblings and children and their spouses) and persons living in the same households of each of the above are ineligible. All Federal, State, and local laws apply.

**Receive a $150 rebate when you refinance an auto loan of $20,000 or greater; $75 rebate for auto loans of $10,000 to $19,999. No rebate on loans less than $10,000. You’ll need your loan number and current loan balance from the other financial institution (as well as payment address). Loan balance must be at least $5,000 to be refinanced from another financial institution. Rebate is not guaranteed and will depend on credit history and other factors. We’ll finance up to 130% of NADA (clean retail) depending on credit-worthiness, model year of vehicle (2011-2021 models only) and vehicle mileage. Depending on the loan terms, your monthly payments may or may not be reduced. The actual amount of money you save, if any, will vary. Any loan rates quoted are Annual Percentage Rates and are subject to change. Offer is subject to change or end without notice. Offer does not apply to refinancing existing BrightStar CU auto loans. Please call us for our current rate floor (the lowest possible rate at which we can refinance your loan). Your actual rate and term may vary, depending upon your credit history and other factors. Other conditions, restrictions and credit approval apply. Member NCUA. This sale includes no payments for 90 days from the date of loan origination. Offer is subject to change or end at any time without notice. Membership eligibility is required. Ask a representative for complete details.

***By completing and handing in the form, I authorize Bright Star 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 any of the following states, 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.
• 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)
• South Carolina (SC)