Thinking about a lower car payment or extra cash? With MyRefi, CapEd is offering a special 1% cashback1 when you refinance your current auto loan using the promo code "MyRefi". Apply online or call 208-855-4628 to speak with a CapEd Product Advisory Specialist.
Apply nowReward Yourself this Summer!
Refinance your ride and hit the brakes on monthly payments. Here's how MyRefi puts you in the driver's seat:
- Exclusive offer
- 1% cashback1 when you refinance with MyRefi
- No payments for 90 DAYS2
- Personalized service with our experienced originators
The Benefits of Refinancing
- Lower Monthly Payments: Refinancing at a lower rate can significantly reduce your monthly expenses.
- Extra Cash in Hand: Our 1% cashback1 offer puts money directly back in your pocket.
- Potential for Better Terms: You may be able to shorten your loan term or adjust other loan conditions to better suit your financial goals.
- Hassle-Free Process: We've streamlined the refinance process to make it quick and easy for you.
- Peace of Mind: Knowing you have a great rate and loan terms can provide financial security.
CapEd Credit Union Auto Loans
Auto Loan rates current as of . Check out CapEd's rates for new vehicles as well as older models below.
Auto Loan Rates1
| Age of Vehicle | Loan Term | APR as low as | Payment per $1,000 Borrowed |
|---|---|---|---|
| 2021 and newer | 24 - 96 Months | 5.09% | $23.07 (48 months) |
| 2016 - 2020 | 24 - 72 Months | 6.09% | $23.53 (48 months) |
| 2011 - 2015 | 24 - 60 Months | 7.09% | $23.99 (48 months) |
Important Information: 1All loans are subject to approval. Rates listed are based on 740 or higher credit score and before any eligible discounts. Rates, terms, and conditions may change without notice and may vary based on creditworthiness, qualifications, loan amounts, and collateral conditions.
Auto Loan Features
Term Options for auto loans.
Up to 96 months
Fees for auto loan.
No application fee
Apply for MyRefi
Ready to apply and refinance your auto loan? Apply online with the promo code "MyRefi", call 208-855-4628 to speak with a CapEd Product Advisory Specialist, or visit us in person to start your application today.
Disclosures
All loans are subject to approval. Rates listed are base rates. Rates, terms, and conditions may change without notice and may vary based on creditworthiness, qualifications, loan amounts, and collateral conditions. Offer valid through September 30th, 2026. Other terms and conditions may apply. Contact credit union for more information.
1 1% Cash Back available on new loans refinanced to CapEd through September 30th, 2026. 1% cashback is calculated on the loan balance funded with CapEd. Cashback is deposited into borrower's share account at funding. 1% Cash Back will be forfeited and added to loan balance if loan is paid off within 12 months of opening. All loans subject to credit approval. 1% cash back does not apply to refinance of current CapEd loans. Additional conditions apply. See Credit Union for details.
2 No payments for 90 days from the date of funding. Interest will continue to accrue from the funding date of the loan. Your first payment will include more interest than usual to cover the 90-day deferral.
