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Highmark Federal Credit Union

Auto Loan Refinance

Got a Better Credit Score? Get  A Better Deal

Life can change in the blink of an eye. With Highmark Credit Union, we make it easy to adjust current auto loans with refinancing that drives huge savings anytime you need them. When the time comes for your budget to change, We’ll Make It Happen

Affordable monthly payments and term lengths are matched to meet your needs with pre-approvals in a few short business days. Ready for a change? Making room in your budget has never been easier.

Auto Loan Refinancing

6.75% APR
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Auto Loan Refinance Features & Benefits

Auto loan refinances from Highmark make saving money simple, fast, and straightforward. Take advantage of some of our incredible benefits with the following auto loan refinance features.

Fast Pre-Approvals

Fast Pre-Approvals

Terms Up To 84 Months

Flexible Loan Terms

Zero Application Fees

Easy Online Application

Auto Loan Refinance Calculator

Check out our helpful auto financing calculator to determine potential APR rates and monthly car payments that outspeed and outclass the competition.

By changing any value in the following form fields, calculated values are immediately provided for displayed output values. Click the view report button to see all of your results.

Auto Rebate vs. Low Interest Financing
*indicates required.
Rebate payment:
$440 monthly
Low interest payment:
$398 monthly
Low interest financing could save you $169.43 in total payments Column Graph: Please use the calculator's report to see detailed calculation results in tabular form.


Total purchase price (before tax)

This is the total cost of your auto purchase. Include the cost of the vehicle, any additional options and any destination charges. Don't include sales tax in this amount. Sales tax will be calculated for you and included in your total after-tax price.

Term in months

Number of months for your auto loan.

Cash down

Total amount of cash used in this purchase. The larger your cash down payment the smaller the loan you will need to finance this purchase.

Trade allowance

The total amount that you are given for any automobile that you trade-in as part of this purchase. In some states a trade-in can also reduce the amount of sales tax you will owe. See the definition for 'Sales tax deduction for trade-in' for more information on trade-in vehicles and sales tax.

Amount owed on trade

Total loan balance still outstanding on the trade-in.

Sales tax rate

Sales tax percentage rate charged on this purchase.

Traditional financing

The interest rate you may be able to receive from a bank, credit union or other lender. This is usually a higher interest rate than the manufacturer's low interest financing, but is often very competitive when used in combination with a manufacturer rebate. This calculator assumes that if you choose a manufacturer rebate you are not eligible for manufacturer low interest financing.

Low interest financing

The incentive interest rate you may be able to receive from an auto manufacturer. These rates are usually significantly below standard auto loan interest rates. Low interest financing can be as little as 0% per year. Most manufacturers allow you to choose either low interest financing or a manufacturer rebate, but not both. This calculator assumes that if you choose low interest financing you are not eligible for any manufacturer rebate.

Manufacturer rebate

A cash rebate paid by the auto manufacturer to you when you purchase a new vehicle. Most manufacturers allow you to choose either low interest financing or a manufacturer rebate, but not both.

No sales tax deduction for trade-in

If you live in a state where your sales tax is calculated on your full purchase price check this box. If this box is unchecked sales tax is calculated on the purchase price less trade-in. Currently California, the District of Columbia, Hawaii and Michigan allow no deductions for trade-ins when calculating sales tax. In addition, Alaska, Delaware, Montana, New Hampshire, and Oregon have no sales tax on autos.

Calculate sales tax before rebate

Some states will calculate sales tax on your purchase price before a manufacturer's rebate is applied. If your state calculates sales tax on the vehicle price before the rebate is applied, check this box.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Applying For Your Auto Loan Refinance Is As Easy As 1-2-3!



{Apply Online}
{Quick and easy online application.}



{Sign Your Loan}
{Agree to the loan amount, rates, and terms.}



{Get a Check}
{Use your check to buy your new car.}

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