You can now manage your credit cards in digital banking alongside all your other Centra accounts! Log into digital banking to experience the convenience of one login, one site, and one app. This link will be deactivated on September 30, 2022.
You’re paying too much for your auto loan.
Refinance your ride with Centra and lock in a low rate that’s hard to beat! Even lowering your rate by 1% could mean hundreds of dollars in savings.
Don’t believe us?
See what could happen when a $25,000 auto loan balance is refinanced with a 54-month term.*
| Starting Rate: 8.50% | New Rate: 7.50% | New Rate: 7.00% | New Rate: 6.50% |
|
| Monthly Payment | $597.87 | $585.19 | $578.91 | $572.68 |
| Total Interest | $5,534.66 | $4,850.23 | $4,511.24 | $4,174.46 |
| Total Savings | $684.43 | $1,023.42 | $1,360.20 |
|---|
*Savings Example Disclosure
The savings examples shown above are for illustrative purposes only and are based on hypothetical rate reductions of 1.00%, 1.50%, and 2.00% from an assumed starting rate. These examples are intended to demonstrate how changes in interest rates may affect monthly payments and total interest paid over the life of an auto loan. They do not represent actual rates or offers available from Centra Credit Union. Your actual rate, term, and savings will depend on your individual credit profile and loan details.
What could you do with an extra $1,000?
Want to calculate how much you could save?
Head over to our auto refinance calculator to find out!
Refinance your ride with Centra, and you could get:
- An interest rate as low as 3.49% APR1 with automatic payment from a Centra checking account
- No payment for 90 days2
- A cash pay-out3
This limited-time offer won’t last long!
Apply for an auto loan today
Contact us, or make an appointment that works with your schedule.
This “prescreened” offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria, including providing acceptable property as collateral. If you do not want to receive prescreened offers of credit from this and other companies, call TransUnion at 1-888-567-8688 or visit the website at www.optoutprescreen.com; or write TransUnion Opt Out Request, PO Box 505, Woodlyn, PA 19094-0505.
- APR=Annual Percentage Rate. Automatic payments qualify for a 0.25% rate discount, which may result in rates as low as 3.49% APR. Automatic payments from a Centra account are not required to receive an auto loan through Centra. This offer is available for auto and motorcycles. Refinanced loans must be a new loan to Centra OR Centra loan payoffs with a minimum $2,500 new money required and six months payment history verified by existing contract. Person-to-person purchases and dealership purchases funded directly through Centra are also eligible. Indirect auto loans originated through a dealership are not eligible. No other offers, coupons, or discounts apply. This offer is valid for applications taken from March 2, 2026, through June 30, 2026, with loan closings required by July 15, 2026. Interest accrues beginning the first day the loan closes. Your repayment term begins when your first payment is due. All loans subject to credit approval. Rate will vary by the term of the loan, your credit score, age of vehicle, etc. Rates are subject to change without notice.
- The option to defer payments up to 90 days is available. This offer is not automatically applied.
- Cash pay-out is subject to credit approval. Pay-out is calculated before add-ons, such as GAP, debt protection, or extended service contracts.
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