Colorado Auto Loans | Vehicle Refinance
Saving More Money Never Felt So Easy
Save time with refreshingly fast approvals.
GET APPROVED IN LESS THAN 5 MINUTESHave questions you want to ask first? Give us a call at 303.279.6414 or request a call from our experts.
Looking to purchase a vehicle instead?
5.99% APR*
48 Month Term
With Automatic Payments From An On Tap Credit Union Account Or
Financing 80% of Value or Less
6.24% APR*
72 Month Term
With Automatic Payments From An On Tap Credit Union Account And
Financing 80% of Value or Less
Financing 80% of Value or Less
7.49% APR*
96 Month Term
With Automatic Payments From An On Tap Credit Union Account And
Financing 80% of Value or Less***
*** Minimum Loan Amount - $40,000
Must be under 1 year old with less than 10,000 miles
Must be under 1 year old with less than 10,000 miles
Have a quote elsewhere? We'll review to match or beat the rate so you can save even more.
Terms Up To 96 Months Available
Up To 180 Months For Recreational Vehicles And Boats
HERE'S WHAT YOU CAN EXPECT WITH ON TAP
Expert Guidance
Save money and time transferring your vehicle with fast approvals and professional guidance.
Payment Vacation
Enjoy a 60-day payment vacation plus choose your own term and payment date to fit your schedule.
Vehicle Protection
Safeguard your investment with insurance and enhanced protection.
Questions on what rate you might qualify for? Give us a call at 303.279.6414 or request a call from our experts.
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STEP 1: LEARN WHAT YOU NEED TO SUCCEED
STEP 2: CALULATE A PAYMENT YOU CAN AFFORD
Take some time to review your budget and find the payment that fits you best. See how much you can save with a lower rate or how fast you could pay off your loan with a different term.
CALCULATE HOW MUCH YOU COULD SAVESTEP 3: APPLY IN MINUTES AND GET PRE-APPROVED
Craft your loan to fit your budget now as well as your plans for the future. Apply online in less time than it takes to finish your favorite beverage.
Prefer to get started with one of our experts? Give us a call at 303.279.6414 or request a call from our experts.
STEP 4: PROTECT AND INSURE YOUR NEW INVESTMENT
Guaranteed Asset Protection (GAP)
Protect your credit and savings by making sure your balance is covered if your vehicle is totaled.
Extended Warranty
Save money, time, and the headaches of handling maintenance and repair costs.
Credit Life and Disability Insurance
Safeguard the balance of your loan in the event of death and protect payments in the event of disability.
Never overpay for auto insurance again.
Compare quotes from over 40 providers in minutes to ensure you have the lowest rate for the best coverage.
Frequently Asked Questions
What do I need to apply?
To best prepare for completing your application, we recommend collecting the following documentation. After you have applied, hold on to these documents so you can reference back to them conveniently if needed.
Valid Government Issued ID
Vehicle Registration
Auto Insurance Card
10-Day Payoff Statement From Current Financial Institution
Proof of Income:
Two Most Recent Pay Stubs if Employed
Two Years Tax Returns if Self-Employed
Award Letter for Social Security or Disability Recipients
Is there a minimum required credit score to qualify?
No, there is no minimum credit score required to qualify! At On Tap Credit Union, we don't put a minimum credit score cap on who we can help. We have options for any score on the spectrum so we can stay focused on crafting solutions around what you can responsibly afford. If your credit is holding you back from accomplishing your goals in life, we'll also help you craft a plan to get your score climbing to new heights.
Do I need GAP?
Guaranteed Asset Protection (GAP) is designed to help protect your credit and savings by ensuring that your loan balance is covered in the event your vehicle is totaled and insurance does not cover the full balance of your loan. Since vehicle values can depreciate quickly, GAP can help to save you from paying out of pocket or rolling negative equity into your next vehicle loan if the actual cash value insurance pays is less than your remaining balance.
Speak with your Financial Advocate to decide if GAP is right for you. If you paid a large down-payment or your balance is well below expected depreciation, you may not need GAP with your loan.
Should I get a warranty or additional loan protection?
On Tap Credit Union's Loan Protection provides peace of mind that your loans are secure in case of an unforeseen event that could impact your ability to make your payments.
Additionally, our Route 66 Roadside Assistance and Warranty offers convenience and peace of mind when it comes to handling maintenance and covering costs for mechanical breakdown.
If you have your own savings plan to cover maintenance costs and potential interruptions in income, you may not need these items.
Check out our guide for more details about our Loan Protection options.
Learn more about Route 66 and discuss the best option for you with your Financial Advocate when crafting your loan.
Do I need to let my insurance company know that I am refinancing?
Yes, after you receive your approval to refinance, you will need to let your insurance company know so they can register On Tap as your new financial provider, also referred to as the lien holder. When your loan is closed, your insurance company will need to provide us with your updated declaration page listing On Tap as your lien holder for the vehicle. In the event your vehicle is totaled, this ensures that your insurance company has our proper information on file to pay off your loan.
Additional Resources For Your Refinance
Still have questions about completing your refinance?
Contact us to get started at 303.279.6414 or request a call or email back.
*Interest accrues during the deferral period and may extend the term of the loan. Payments may be made during the deferral period. Offer not applicable on boat, powersport, and RV loans. Use promo code NOPAY90.
*APR = Annual Percentage Rate. Rates subject to change without prior notice. Rate received based on individual's credit history. Rates quoted are the lowest available rate to our customers with the automatic payment discount. Some rates based on credit score. Federally Insured by the NCUA
** With approved credit. Auto refi floor rate is as low as 5.99% APR. Terms vary by vehicle type and amount financed. Loan qualification and (APR) Annual Percentage Rate based on individual credit worthiness. A $10,000 loan for 48 months at 5.99% APR would result in a monthly payment of $234.80. Not all borrowers will qualify for the best rate and terms may vary on amount financed. Rates are subject to change. Finance charges begin at initial open date of loan.