Refinance your ride

Better rates. Lower payments. Less stress.

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At Credit Human, we want to see YOU save!

Love your vehicle, but you don't love your car payment? Credit Human can refinance your ride to help you save money. With great rate discounts for things like auto pay and hybrid or electric vehicles, you'll have an opportunity to build financial slack and lower your financial stress.

Why finance your car or truck with Credit Human?

Quick approvals

Most decisions happen in minutes, so you won’t lose your excitement or momentum when purchasing your next vehicle.

90-days no payment

We offer no payment for 90 days for qualified buyers, allowing you a little breathing room to adjust your monthly spending plan after purchase.***

Rate discounts

We offer a variety of rate discounts for things like auto pay enrollment, 10% equity and eco-friendly choices.

Flexible loan options

We offer a variety of terms and can match you with a loan according to your goals.

Rates as low as 5.89%


Vehicle Year Model 2019	24-69 months	$7,500	5.89 - 14.09% **
Vehicle Year Model 2015 - 2017	24-60 months	$7,500	5.89 - 14.09% **
Vehicle Year Model 2020 - 2021	24-72 months	$7,500	5.89 - 14.29% **
Vehicle Year Model 2022 & Newer	24-84 months*	$7,500	5.89 - 14.29% **
Vehicle Year Model 2018	24-63 months	$7,500	5.89 - 14.09% **

Rates are effective as of June 19, 2025

Annual Percentage Rate (APR) is dependent on credit rating, collateral value, amount financed and other criteria. Qualifying used vehicles must be 10 years or newer with 150,000 miles or less. *Minimum 700 FICO score and $25,000 amount financed to qualify for 79 - 84-month term. **5.89% APR is for a 24 - 48-month term with minimum 780 FICO score and includes .20% discount for setting up auto pay from any checking account. Additional rate discounts may apply. Ask an Auto Loan Advisor for details. *** No payment for 90 days applies to qualified borrowers with a 680+ FICO score on loans of $7,500 or more.

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Our commitment to you

No jargon. No lectures. Just support and financing that makes sense.

You’re more than a loan, account or credit score at Credit Human. You’re an integral part of our vibrant community, and you deserve a partner who will help you reach your goals and live well. That’s where Credit Human comes in. As a credit union, we are a financial cooperative that prioritizes people and the planet over profits. Our vision: to see all communities free of financial stress. Because when stress fades, people shine. This is what drives us to serve you well no matter your circumstances.

We like to think of ourselves as a different kind of credit union—and it’s a difference you can feel.

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We finance more than just cars

When you need a vehicle for work or play, Credit Human wants to ride along with you. We finance cars, trucks, boats, RVs, motorcycles, recreational vehicles, horse trailers, tractors... and more.