Refinancing with Great Lakes Credit Union Brings Great Benefits


Low loan rates

Low loan rates

Members have access to competitive interest rates

APR discounts

APR discounts

Qualified borrowers are eligible for rate discounts up to 0.50% APR*



Save cash when you need it

24/7 Access

24/7 Access

Stay up-to-date with your loan through online and mobile banking


A happy couple looking at a road map sitting in a car traveling on vacation.

Why Refinance Your Auto Loan with Great Lakes Credit Union?

If you’re looking for a more affordable loan payment, more favorable loan terms, or simply want to qualify for a better rate based on creditworthiness, consider refinancing with us.

With our competitive auto loan rates, as well as available discounts ranging from setting up automatic loan payments to opening a free checking account with us, you could transform your car loan.


Our Streamlined Application Process

Don’t put off refinancing because you’re worried about getting stuck in a long, complicated process. We’ve made applying smooth and simple so you can start enjoying your savings as soon as possible.


STEP1Apply OnlineFill out our quick and easy online application.
STEP2Set Up PaymentsOnce approved, agree to the loan amount, rates, and terms to begin making payments.
STEP3Take ChargeCheck your loan payoff amount whenever and wherever you want via online banking.


Get Started


Calculate Your New Cars Monthly Payment

Est. Monthly Payment: 0

Apply NowGet in Touch



There is a very friendly and comfortable feeling here! The staff is always helpful and are never in a hurry. I use both the lobby and the drive up. They are both great!

-Ruth W.

Excellent customer service! It’s always a great experience when I go to my local Great Lakes Credit Union

-Bert B.

22 years of great experience of friendly, helpful, resourceful service. Thank you

-Rita M.

Auto Loan Refinance FAQ

  1. GLCU members have access to a variety of products and services, including personal loans, student loans, home equity loans, and mortgages.

    Your rate on your GLCU loan will vary depending on your credit score and personal financial situation.

  2. One of our exclusive member benefits is $1,000 of accidental death and dismemberment insurance through TruStage, offered at no cost to you.

  3. You will need to submit proof of insurance. To find out or to verify the insurance needed for your new auto loan, check here.

  4. We do not currently offer ATV, dirt bike, side-by-side, or jet ski financing.

  5. Please contact your vehicle's insurance agent to update your vehicle's insurance policy to include GLCU's NEW lienholder address:

    Great Lakes Credit Union
    PO Box 2238
    Sioux City, IA 51104

  6. If you purchase Guaranteed Asset Protection for your new vehicle, that means you aren’t on the hook for loan payments if your vehicle is in an accident and deemed a total loss. Guaranteed Asset Protection covers the difference between the remaining balance on your vehicle and your vehicle insurance payout, if it’s less than what you still owe on your vehicle.

    GLCU offers GAP Plus, which means you also get Deductible Assistance, to cover the cost if your paid collision claim incurs a deductible.

  7. Mechanical repair coverage helps you pay for repairs to your vehicle after its warranty expires while costing less than a typical extended warranty.


Ways to Manage Your Loan with GLCU

We recognize that our members are individuals. That’s why we offer a range of ways for you to do balance inquiries, make a payment, and more!


Other Loans

Not looking to refinance right now? We’ve got lots of other loan products to help you reach your goals.



Personal Loans

Supplement your bank account with a loan you can use however you like

Learn More

Home Loans

If you’re looking to buy or refinance a home, check out our Mortgage Center

Learn More

Home Equity

Homeowners, tap into your home’s equity with a home equity loan or line of credit to finance repairs, improvements, and more

Learn More


*APR= Annual Percentage Rate. Actual rate based on credit history, income, vehicle model year, mileage, and other factors. Rates listed here include 0.25% discount for auto pay and 0.25% discount for a Free Checking Account (link) with direct deposit for the last three months.