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Lower Your Payments With A Colorado Car or Truck Loan Refinance



Saving more money never felt so easy.

Trust On Tap to guide you through your vehicle refinance. 
 
Have your loan elsewhere? Earn extra savings when you refinance your car, truck, motorcycle, or recreational vehicle from another financial institution to On Tap.
 

Save time with refreshingly fast approvals.

GET APPROVED IN LESS THAN 5 MINUTES

Have questions you want to ask first? Give us a call at 303.279.6414 or request a call from our experts.

REQUEST A CONSULTATION



2.99% APR*


48 Month Term
Automatic Payments
Financing 80% of Value or Less


3.24% APR*


60 Month Term
Automatic Payments
Financing 80% of Value or Less


3.49% APR*


72 Month Term
Automatic Payments
Financing 80% of Value or Less

Have a quote elsewhere? We'll review to match or beat the rate so you can save even more.

CALCULATE HOW MUCH YOU COULD SAVE

Terms Up To 84 Months Available

Up To 144 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.

REQUEST A CONSULTATION


    Jump-Start Your Refinance In 4 Easy Steps

                         


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 SAVE




STEP 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. 

I'M READY TO GET APPROVED


Prefer to get started with one of our experts? Give us a call at 303.279.6414 or request a call from our experts.

REQUEST A CONSULTATION


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. 
 
SEE HOW MUCH YOU COULD SAVE


Frequently Asked Questions

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
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. 
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. 
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.
VIEW OR DOWNLOAD
Learn more about these products and discuss the best option for you with your Financial Advocate when crafting your loan. 
WARRANTY OPTIONS

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


Tips For Building Credit
Calculate A Budget That Works For You

CALCULATE

Tips For Improving A Low Credit Score

READ BLOG

Still have questions about completing your refinance?

Contact us to get started at 303.279.6414 or request a call or email back.
 
TALK WITH AN EXPERT
 
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*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.

**Offer ends 08/31/2021 and is not available on refinances for existing On Tap Credit Union loans. Not available on loans processed through Credit Union Direct Lending (CUDL). With approved credit. 1 Minimum loan amount of $7,500. Subject to IRS dividend reporting. 2 Term and model year restrictions may apply. 3 Interest accrues during deferral period and may extend the term of the loan. Payment vacation only available for terms up to 60 months. Payments may be made during the deferral period.