Home Lending and Home Loans | Full Service Home Lending for Colorado and the Denver Area
Contact us

ACU Refinance

Rates are at the bottom, with no where to go but up. Don't lose the opportunity!

With signs that the economy is improving, now is the time to lock your interest rate in to keep yourself paying next to nothing for years to come.

Colorado's Lowest Rates!


Auto RefinanceArapahoe Credit Union would like to improve all of our members' auto loans with other institutions. For a limited time, we can offer rates as low as 2.74% APR and, of course, you can expect the solid service of a local credit union. We will absolutely customize your loan however we can, including taking an optional 3 month payment vacation and/ or receiving up to $100 in cash. You may choose a set up that allows you to pay your loan off early, or stretch it out to lower your payment. Whatever works best for you, works best for us too.

All you need to do is put an application in to let us start the process. On final approval, we will contact you to start working out your individual preferences. There are two ways to start:

Apply Online or Contact Us

Refinance Benefits


A refinance with Arapahoe Credit Union is simply a better loan. That's it. We will lower your rate, give you a bit more flexibility and then provide old-school service.

Auto Refinance

Lower Your Rate: To start, we look to lower your rate. Sometimes it is a percentage or two, sometimes it is much more. Either way, it adds up when it comes to your wallet. Even one percent on a loan over several years can be thousands of dollars saved.

Free from Payments: 3 month payment vacations give you a break. You will not have to pay for your loan for up to three months. This is a golden opportunity to catch up on other bills, pay other, higher interest debt, or simply take a summer vacation if you like. Of course, you can also just start paying if you are set on getting rid of your loan altogether.

Earn Extra Cash: We also offer up to $100 in cash just for the opportunity to service your loan. You will get a choice to either push your interest rate lower or take the money. Whatever you decide.

ACU Service: There is no reason that your bank has to be stuffy and bureaucratic. Here, you will find the Mayberry of the financial world. Not only will we get you a better loan, we will be a better bank. If you ever need anything, we will be around to get it taken care of for you.

Apply Online or Contact Us

Endless Possibilities


People often see their loans as black and white, but that simply isn't the case. We can leverage your loan to help you no matter what your situation is.

Lower Payment: If you are concerned about your payment, this savings could be enough to cover a monthly phone bill or a credit card payment. -Wouldn't it be nice if we essentially paid one of these for you, just by having your loan here?

Auto Refinance

Pay Your Loan Early: Of course, the other major option is simply pay your loan off earlier. The thousands of dollars that I mentioned? Well, what if you put all of that into paying down your loan? You could shave months of payments off simply by adjusting your loan or payment.

Take Out Additional Cash: Of course, we have other options as well depending on your needs. Perhaps you would like to take out additional cash? We can usually accomodate that. If your vehicle has extra value (and many do), then we might be able to lump in some extra cash to pay off a higher interest debt or even to make repairs if you need to. It is less common, but again, we have options for pretty much everything.

Something Else?: Let us know if you have something else you would like to look into. Sometimes it isn't an auto loan, but we have a ton of other products and a ton of other ways to use them.

Apply Online or Contact Us

How It All Works


For the most part, our refinance program is fantastically simple. We process the application and then do what we can to get you the best possible deal. However, your actual loan could vary depending on what you choose.

Auto Refinance

To begin, we will either give you 1% below what you are paying now down to a floor of 2.74% APR or our lowest rate. So, for example, if you are paying 3.5% now, we would move you down to 2.74%. However, if you are paying 10% and we would normally offer you a 3.99%, then we could bring you down a full 6% (which is huge). No matter what, we are looking to improve on what you already have.

Then, you have a choice. You can either choose to take an immediate $100 payout or lower your interest rate an additional 1% down to as low as 2.74% APR. This is one of the lowest institutional rates in the nation! Please just note that terms longer than 60 months are subject to a small rate increase to offset the risk (up to 1%).

If you have any questions, please let us know.

Apply Online or Contact Us

Additional Resources


Of Course, we are here for any questions you might have and would be more than happy to crunch any numbers you like. Please just give us a call. Of course, we also have online tools ready and available if you want to start here.

Loan Calculator

NADA Values

ACU Vehicle Loans

Apply for a Loan

Contact Us