Switch & Save This Holiday!

Refinance your auto loan from another lender,¹ and enjoy: 

No Payments until February 28, 2026 

Rates as low as 4.49% APR 

FREE GAP coverage (a $499 value!)²

APPLY NOW

Refinance Your Auto Loan

Get lower monthly payments or get better terms and interest rates when you refinance your existing auto loan. Features and qualifications include:

• Financing available up to 100% of the NADA retail value of the vehicle, plus tax, title, warranty and GAP not to exceed 125%
• Terms available up to 84 months**, subject to vehicle value, year, model and mileage and credit rating
• Used vehicles up to eight (8) model years old
  Apply For an Auto Refinance Loan

1) Loan application must be received between 11/18/2025 - 12/31/2025. Current Homebase CU loans do not qualify. Subject to credit approval. Not all will qualify. Rate you receive is determined by credit qualifications and loan term. Depending on vehicle value, terms are available up to 60 months starting at 4.49% APR. Longer terms available at higher starting interest rates. Interest begins to accrue from day of loan funding. Contact a Homebase Credit Union Loan Officer for details. A loan example: $30,000 financed for 60 months at 4.49% APR would make the monthly payment $560. APR = Annual Percentage Rate. Membership eligibility required. New membership requires non-refundable membership fee of $1, plus $25 savings deposit refundable at account closing. 

All rates subject to change without notice. All rates listed above are our best rates based on approved credit; actual rates may be higher depending upon applicant's credit rating and other underwriting factors. Most loans are processed the same day as the application is received. Please contact a Homebase CU loan officer for current rates and details. Membership required to apply for Homebase Credit Union loans, credit cards, and lines of credit. Membership is open to those that live or work in the following localities: Amelia, Charles City, Chesterfield, Colonial Heights, Dinwiddie, Goochland, Hanover, Henrico, Hopewell, King and Queen, King William, New Kent, Nottoway, Petersburg, Powhatan, Prince George, Richmond, and Sussex. Non-refundable joining fee of $1 plus $25 savings (share draft) deposit refundable at account closing.