Get Great Rates on Your Auto Loan
Whether you’re looking to buy a new car or refinance the one you love, as a TruWest Member, our best auto loan rates are just a few clicks away.
LIMITED-TIME OFFER
GET UP TO $400 CASH BACK1
Still paying too much for your auto loan? Refinance, get back in control and get up to $400 in cash back1.
Why refinance?
We offer:
- Up to 90 days before first payment2
- 0.25% discount when you enroll in TruWest Auto Pay3
- Skip Pay where you can skip one auto loan payment per year4
| Refinanced Loan Amount | Cash Back Amount |
| $10,000 – $15,000 | $100 |
| $15,001 – $25,000 | $200 |
| $25,001 – $35,000 | $300 |
| $35,001+ | $400 |
Explore your refinancing options and see how much you could save today.
Disclosures
1Loan application must be submitted between 6/8/26 and 9/7/26 for a minimum $10,000 auto loan refinanced from another financial institution to qualify. Approval subject to creditworthiness, collateral, and term. Existing TruWest® Credit Union auto loans and recreational vehicle loans, including watercraft, ATV, motorsport, and motorcycle loans, are excluded. Loan terms vary based on credit history, payment method, and vehicle year, make, model, mileage, and amount financed. Up to $400 based on loan amount. Loan must remain open for 120 days or cash back will be forfeited. Cash back will be deposited into the member’s share savings account within seven days of closing and may be subject to taxes, which are the member’s responsibility. Must be a TruWest member with a minimum deposit of $5. Additional terms, conditions, and restrictions may apply. Offer subject to change without notice.
290-day without payment option is available and must be elected at signing. Interest and any finance charges begin accruing on loan disbursement date. 90-day without payment option will extend your loan by three (3) months. Interest and finance charges will accrue on unpaid principal while payment is deferred and will continue to accrue for the life of the loan. Only valid on new TruWest direct auto, ATV, motorsport vehicle, or motorcycle loans. Existing TruWest® Credit Union loans are not eligible. Must be a TruWest member with a minimum deposit of $5. All loans are subject to credit qualification & approval. No other discounts apply. Additional terms, conditions, or restrictions may apply. Subject to change without notice.
30.25% rate discount when you make automatic loan payments from a TruWest account. Rate may increase if automatic payment is cancelled. Additional terms, conditions, or restrictions may apply. Subject to change without notice. Enrollment in automatic payment is optional and not required for loan approval. Speak with a TruWest representative for further details.
4There is a $35 processing fee for eligible loans. All fees must be deposited in a TruWest account before the Skip Pay can be processed. Interest continues to accrue on the unpaid balance and, if applicable, the term of the loan will be extended each time a Skip Pay is processed. Only available on eligible loans, and limited to no more than one skip a payment in a rolling calendar year (12 months). Additional terms, conditions, and restrictions apply. Program subject to change without notice. Speak to a TruWest representative or visit truwest.org/skippay for further details.
FAQs
What is the offer?
Refinance your auto loan with us and get up to $400 cash back, based on your refinanced loan amount.
| Refinanced Loan Amount | Cash Back Amount |
| $10,000 – $15,000 | $100 |
| $15,001 – $25,000 | $200 |
| $25,001 – $35,000 | $300 |
| $35,001+ | $400 |
Who is eligible?
The offer is available to new and existing members with auto loans with another financial institution or auto finance group.
Can I refinance my current TruWest auto loan with you and receive cash back?
No. To participate in the auto refinance cash back offer, the auto loan cannot be a current TruWest auto loan.
How much cash back can I receive?
Cash back amounts can range from $100 to $400 based on refinanced loan amount.
| Refinanced Loan Amount | Cash Back Amount |
| $10,000 – $15,000 | $100 |
| $15,001 – $25,000 | $200 |
| $25,001 – $35,000 | $300 |
| $35,001+ | $400 |
Is there a minimum amount I need to refinance to take advantage of the offer?
Yes. The minimum amount you can refinance is $10,000 to be eligible to for the cash back offer.
When does this offer end?
The offer ends September 7, 2026 and is subject to change. All applications must be submitted by September 7, 2026 to be eligible for offer.
When will I receive my cash back?
Cash back, if applicable, will be deposited into member’s TruWest share savings account within seven (7) days of closing the loan. The cash back may be subject to taxes, which are the member’s responsibility.
How do I apply?
Apply online, at a financial service center, or by phone. Membership is required and available during application.
Are there other restrictions?
Yes.
- Existing TruWest auto loans and recreational vehicle loans, which include watercraft, ATV, motorcycle loans are excluded from the promotion.
- Loan must remain open for 120 days or cash back will be forfeited.
- Additional terms, conditions, and restrictions may apply. Offer subject to change without notice.
Love Your Auto Loan as Much as Your Car
- Low rates
- Financing available for new/used purchases or refinance
- Up to 90 days before first payment2
- Longer terms available
- 0.25% discount when you enroll in TruWest Auto Pay3
See Our Competitive Auto Loan Rates
Disclosures
1Loan application must be submitted between 6/8/26 and 9/7/26 for a minimum $10,000 auto loan refinanced from another financial institution to qualify. Approval subject to creditworthiness, collateral, and term. Existing TruWest® Credit Union auto loans and recreational vehicle loans, including watercraft, ATV, motorsport, and motorcycle loans, are excluded. Loan terms vary based on credit history, payment method, and vehicle year, make, model, mileage, and amount financed. Up to $400 based on loan amount. Loan must remain open for 120 days or cash back will be forfeited. Cash back will be deposited into the member’s share savings account within seven days of closing and may be subject to taxes, which are the member’s responsibility. Must be a TruWest member with a minimum deposit of $5. Additional terms, conditions, and restrictions may apply. Offer subject to change without notice.
290-day without payment option is available and must be elected at signing. Interest and any finance charges begin accruing on loan disbursement date. 90-day without payment option will extend your loan by three (3) months. Interest and finance charges will accrue on unpaid principal while payment is deferred and will continue to accrue for the life of the loan. Only valid on new TruWest direct auto, ATV, motorsport vehicle, or motorcycle loans. Existing TruWest® Credit Union loans are not eligible. Must be a TruWest member with a minimum deposit of $5. All loans are subject to credit qualification & approval. No other discounts apply. Additional terms, conditions, or restrictions may apply. Subject to change without notice.
30.25% rate discount when you make automatic loan payments from a TruWest account. Rate may increase if automatic payment is cancelled. Additional terms, conditions, or restrictions may apply. Subject to change without notice. Enrollment in automatic payment is optional and not required for loan approval. Speak with a TruWest representative for further details.
4There is a $35 processing fee for eligible loans. All fees must be deposited in a TruWest account before the Skip Pay can be processed. Interest continues to accrue on the unpaid balance and, if applicable, the term of the loan will be extended each time a Skip Pay is processed. Only available on eligible loans, and limited to no more than one skip a payment in a rolling calendar year (12 months). Additional terms, conditions, and restrictions apply. Program subject to change without notice. Speak to a TruWest representative or visit truwest.org/skippay for further details.
