Switch & Save Auto Loan

Refinance your car and SAVE with White Rose Credit Union!

Did you buy your car with financing from the dealership or a separate financial institution? It’s never too late to refinance your vehicle through White Rose Credit Union. Our members can take advantage of our Switch & Save Auto Loan – a specialized refinance option built to save you money. Also referred to as dealer buy-back, our Switch & Save program allows you to refinance a new or used vehicle at a lower interest rate. That lower rate could potentially save you thousands of dollars over the life of the loan!


Product Features

When you refinance your vehicle with White Rose Credit Union, you will experience:

  • A quick and simple application process
  • The ability to apply in-branch or online
  • The option to refinance both new and used vehicles
  • No fees to refinance
  • Affordable interest rates that save you money
  • Responsive customer service

 Switch & Save Loan Rates

Book Value Term APR* as low as
Up to 125% up to 48 months 3.49%
Up to 125% 49 – 60 months 3.74%
Up to 125% 61 – 72 months** 3.99%
Up to 125% 73 – 84 months*** 4.24%

Not sure where to start

If you’re unsure whether now is the right time to refinance, read our blog post, “Should You Refinance Your Auto Loan?”  Or contact a Senior Member Service Representative to get advice and calculate your potential savings! We understand that any type of loan application and approval process can be overwhelming, but we’re here to make it easy.

Apply Today

If you switch your auto loan to White Rose Credit Union, your savings could add up fast. Apply to refinance with our Switch & Save Auto Loan today!



All rates are subject to change without notice.