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Refinance your existing car loan from another lender.

Our rates are lower than local competitors, saving you an average of up to $819.*

Plus, for a limited time only, you'll get $100 Cash Back.*

Keep the car of your dreams, and opt for a more affordable loan agreement by refinancing your auto loan with Destinations Credit Union. By securing lower monthly payments, you're able to stay in the driver's seat and live a more comfortable lifestyle without having to sacrifice any luxuries. Refinance your auto loan. 

Here are the materials you'll need before getting started:

  • Six months credit report of timely payments
  • Necessary title and current lender information
  • Pay stubs for one month (not including sick pay, unemployment, or worker’s compensation)
*$819 is the difference between the amount paid in interest between Destinations Credit Union's rate at 2.50% APR compared to 3.73% APR for the Baltimore Metro market average over the life of a $25,000 auto loan over 60 months. Destinations Credit Union rates outperform the Baltimore Metro average earning a Datatrac Great Rate Award. © Datatrac 2021Comparison Product: Used Car - 60 Mo - Rate for excellent credit compared (i.e. the 'as low as' rate) which may vary based on credit rating. APR=Annual Percentage Rate. Rates & Disclosures Members who refinance their existing vehicle loans with Destinations will be eligible for a $100 rebate. The loans to be refinanced cannot be internal to Destinations CU (outside refinances only). There is no limit on the number of refinances per member. Refinances are subject to Destinations’ lending guidelines. Rebates will be deposited to the member’s account at Destinations at the time of funding. All loans based on an evaluation of each applicant's credit. Rates may vary depending on credit. Rates cannot go lower than Destinations Credit Union’s lowest rate. Vehicle restrictions apply. Contact us at (410) 663-2500 for details.

At Destinations Credit Union, we’re here to help you find an affordable monthly car payment to match your lifestyle as opposed to downgrading your current vehicle.

An auto loan refinance let’s you enjoy:

  • The option to borrow up to 125% of NADA retail value
  • Free basic GAP insurance
  • Competitive low rates
  • 24/7 online loan application and quick approvals

Our easy online application process and quick approvals enable you to find an affordable auto loan refinance rate from the comforts of your home.

Lower your payments. Apply Now or Locate a Branch to find out if auto loan refinance is the best option for you.

As a not-for-profit financial institution, we believe in helping our members reach their full financial potential by providing the necessary resources and guidance for informed decision-making.

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Additional Financial Resources

At Destinations Credit Union, our goal is to secure more affordable rates and provide financial resources to our members. In addition to auto loan refinancing, we also offer additional loan options.

Home Loans

Who said you had to have all your ducks in a row in order to own a home? Our affordable home loans enable you to turn a house into a home without breaking the bank.

Learn More

Personal Loans

With low rate APRs based on your credit history, you can get a personal loan for unexpected expenses, college debt, or even a much-needed vacation on the horizon.

Learn More

Vehicle Loans

From great rates to flexible repayment terms, you’re able to get behind the wheel of a vehicle that matches your lifestyle.

Learn More

Keep your car and trade in your current auto loan for lower monthly payments.

Let Destinations Credit Union help you secure your financial future by providing affordable auto loan refinance terms to match your lifestyle and budget.

Not a member yet? Join Now or visit us in person Find a branch