Bring us your loan from another lender and watch us fight for you.

Not only can we possibly lower your interest rate, but we also offer a 90 day payment deferral* - that’s a win win!

Apply today to see how we can save you money!

* All loans are subject to approval. The money borrowed must be new money from refinancing an existing loan from another lender to Thinkwise Credit Union. Another lender is considered any financial institution other than Thinkwise Credit Union. Offer not valid to refinance existing Thinkwise Credit Union loans. *Applicant must show at least 12 months of on-time car payments. *Must provide proof of your existing auto loan rate. *Thinkwise will offer you a rate 1% lower than your current auto loan, not to exceed 18% or be below 4.99%. If you qualify, and your existing auto loan rate is above the max 18%, we will offer you the max rate of 18%. *If you qualify for a lower rate with Thinkwise, we will offer you the lower rate of the two. Finance charges begin to accrue immediately and are repaid over the life of the loan *Terms and conditions are subject to change and may vary based on collateral conditions, qualification, and creditworthiness. *Maximum loan amount cannot exceed 125% of retail Kelly Blue Book value on a used vehicle. *Min. loan amt. for 84 mo. term is $30k *Offer to begin March 1st, 2024 and can end at any time.