Auto Loan Refinance in St. Louis
Refinancing Puts You in the Driver's Seat
Hit the Road with a Lower Interest Rate
With auto loan rates as low as 5.24% APR1, refinancing your auto loan with CommunityAmerica could score you a lower monthly car payment. Use our handy calculator to find out if refinancing is right for you.
Plus, earn a $150 cash back bonus for financing with us! Ready to upgrade your auto loan? Click the button below to get started.
Reasons to Refinance
Cruise with Confidence
Make sure your ride’s covered before you hit the road. Our knowledgeable and experienced Insurance Agents will do the comparison shopping for you, quoting several different carriers to help you find the best deal.
1 Vehicle Loan Offer. Rates and offers current as of 06/18/2025 and are subject to change. The cash back offer will equal $150. Minimum loan amount required to be eligible is $5,000. Valid on new vehicle purchase and external refinance applications starting from 4/1/2025-6/30/2025. Existing CommunityAmerica Credit Union Vehicle loan refinances and cash out loans are not eligible for this promotion. All loans and rates are subject to credit and underwriting guidelines and approval. The loan’s first scheduled payment must be made to be eligible for the cash back bonus. The bonus will be deposited to the member’s membership share savings account within 60 days after the first scheduled payment is made. If at any point your loan is past due more than 30 days, you will forfeit your eligibility from this offer. CommunityAmerica may discontinue or change the promotion at any time. Other restrictions may apply. APR = Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Rates quoted assume excellent borrower credit history. Refinancing your loan with CommunityAmerica Credit Union does not guarantee lower interest rates or monthly payments. The rate you receive on your loan will be the rate in effect at the time of loan disbursal. For used vehicles, maximum used car loan advance will be determined by CommunityAmerica using a JD Power value. Refinance Loan Payment Example: $20,000 at 5.24% APR; 60 monthly payments of approximately $379.63. Programs, offers, rates, terms and conditions are subject to change and expiration without notice and vary based on creditworthiness, qualifications, collateral, and loan terms. This is a limited time offer. The credit may be reported as income on IRS Form 1099-MISC. To qualify for this offer, you must meet CommunityAmerica Credit Union membership eligibility requirements and live in the St. Louis Metropolitan Area. Living in the St. Louis Metropolitan Area is defined as living in the following counties: Bond, Calhoun, Clinton, Jersey, Macoupin, Madison, Monroe, and St. Clair in Illinois; and Franklin, Jefferson, Lincoln, St. Charles, Warren, St. Louis County and St. Louis City in Missouri. May not be used with any other offer.
