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Lower your car payment and get cash back!

Refinance and receive up to $300

Refinance an auto loan from another lender to Pacific Service Credit Union and receive 1% cash back, up to $300!

Refinancing is free, simple and only takes minutes. To apply and take advantage of the 1% cash back offer, simply:


Call (888) 858-6878 for an instant loan decision.


Receive an instant loan decision online.


Complete the form and we'll call you to complete the process.

Calculate your savings
Calculate your monthly payment and how much that will save over the life of the loan using our Loan Saver calculator.

Annual percentage rate (APR) as of April 18, 2017 and is subject to change. Lowest rate quoted. Rate may be up to 14.55% APR above quoted rate based on credit qualifications. Quoted rate assumes a 0.25% APR discount for borrowers who maintain a Relationship Checking account. Rate, maximum term, maximum loan amount and advance amount based on credit qualifications and eligible collateral. Maximum term varies based on loan amount. A $200 fee applies to reduce the rate of an existing PSCU loan. Loans subject to all credit union policies and procedures. Call for details. Representative example: Pay $14.94 per month per $1,000 borrowed for 72 months at 2.44% APR.

1% Cash Back Offer: Offer subject to change without notice. Cash back incentive is 1% of the refinanced loan balance from another lender to Pacific Service CU to a maximum of $300. Minimum loan balance is $4,000. Existing Pacific Service CU loan balances do not qualify. Cash back will be deposited to the savings account at the time of funding. We reserve the right to retain incentive dollars if the loan is closed, paid off or refinanced within the first two years. Accounts must be in good standing to receive rebate. Some restrictions may apply.

90-Day Payment Deferral: Offer subject to change without notice. Payment deferral is optional. There is no fee for the 90-day payment deferral. The interest on the loan will continue to accrue. The deferred payment(s) plus any additional accrued interest will be paid at the end of your loan. The first payment will be due 90 days from the date of booking. Other restrictions may apply.

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