Car Loan Refinance

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Get the same low auto loan rate, even on longer terms

Unlike other lenders, Star One offers you the same rate you qualify for regardless of the term you select.

Car Loan Refinance Calculator
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Interest-rate reduction on a current Star One car loan*

Apply to have your current interest rate reduced (only $75)!

If approved, you only pay the current used-car loan rate—based on your creditworthiness—for the remaining months of the loan. Some restrictions may apply.*

Apply online in Online Banking with the Auto Loan Modification Request form in the Forms area.

Alternatively, you can fill out, print, and deliver the Loan Modification Request and Agreement form to us.


Refinance a car loan

Refinance your current car loan for cash out and receive a great low rate with flexible terms.

Your refinance loan amount will be based on your car's Kelley Blue Book or J.D. Power NADA value and your creditworthiness. Some restrictions may apply. A $75 fee applies to refinance an existing Star One automobile loan.

Whether you're currently financed at Star One or elsewhere...

Apply Now

Additional Tools

Optional Protection Plans

Get financial protection against many mechanical breakdowns that normally fall outside of the manufacturer's warranty, or which occur after the warranty has expired.

MMPI is available for new and used vehicles. Add-on miles available—up to 105,000 miles on top of current odometer.

What does MMPI cover?

MMPI can cover the costs of many major repairs, such as engine, transmission, drive axle, fuel system, and electrical, just to name a few.

MMPI can also help with 24-hour roadside assistance, rental-vehicle assistance, key-fob replacement, a tire-protection plan, and trip-interruption coverage.

Deductibles per visit are $0 (surcharge applies) or $100 (standard), and three different plans are offered: Select, Deluxe and Ultimate.

View more details in our Major Mechanical Protection PDF brochure.

Exclusions and deductibles may apply. Some vehicles are ineligible for MMPI—such as RVs, Subaru WRX, all Porsche and Tesla models, and others. View a list of ineligible vehicles here.

Guaranteed Asset Protection (GAP) with PowerBuy covers the difference between your loan balance and the amount your insurance policy would pay out if your vehicle were to be damaged beyond repair ("totaled") or stolen and never recovered. Your insurance policy will pay you the cash value of the vehicle, while GAP coverage is paid when the loan balance is higher than the vehicle's actual cash value paid by your insurer.

In addition, with PowerBuy, you may be eligible for up to $6000 toward the financing of a replacement vehicle (autos and motorcycles) if the vehicle is financed through the Credit Union within 90 days of settlement. See our GAP PowerBuy PDF brochure.

For boats and recreational vehicles, the benefit is up to $1000 toward the financing of a replacement vessel/vehicle if the vehicle is financed through the credit union within 90 days of settlement.

View our Guaranteed Asset Protection PDF brochure.

Protection Benefits

  • Protects your credit rating
  • Eliminates or reduces out-of-pocket expenses for the remaining loan balance after a loss settlement
  • You may purchase a replacement vehicle sooner because there is little or no carry-over balance
  • Maximum benefit:    
    • Motorcycles: $50,000
    • Automobiles: $100,000
    • RVs and boats: $125,000
  • May be purchased up to one year from effective date of loan

Exclusions and deductibles may apply.

Your financial safeguard against the unexpected

Life can take some unexpected turns. That’s why there’s Debt Protection with Life Plus.

Financial Protection for the unexpected – protect the ones that matter most.  Debt Protection with Life Plus could help your family’s financial situation against a variety of covered life events:

  • Involuntary unemployment
  • Disability
  • Death

For additional protections, Life Plus can extend your Debt Protection to address a wide range of circumstances, giving you the reassurance of knowing you’ve taken steps to help secure your finances.

  • Accidental dismemberment
  • Terminal illness
  • Hospitalization or family medical leave
  • Death of a non-protected dependent

Things to know about Debt Protection with Life Plus

  • It’s easy: Simple to apply for.
  • It’s budget-friendly: Comfortably fits into your monthly payment.
  • It puts you at ease: Rest easy, knowing you’re taken care of in so many problem situations.

Take an important step toward financial security.
Ask us about Debt Protection with Life Plus today.

Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply.

Please contact your loan representative or refer to the contract for a full explanation of the terms. You will receive the contract before you are required to pay for Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.

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