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.
Save time with refreshingly fast approvals.GET APPROVED IN LESS THAN 5 MINUTES
Holly Jolly Holiday Special Offer
Get up to 3% APR off(1) your qualified rate, $300 cash back(2), and 3 months no payments(3) when you finance your car or truck purchase or refinance your current car or truck to On Tap from another financial institution.
48 Month Term
60 Month Term
72 Month Term
Have a quote elsewhere? We'll review to match or beat the rate so you can save even more.
Terms Up To 84 Months Available
Up To 144 Months For Recreational Vehicles And Boats
HERE'S WHAT YOU CAN EXPECT WITH ON TAP
Save money and time transferring your vehicle with fast approvals and professional guidance.
Enjoy a 60-day payment vacation plus choose your own term and payment date to fit your schedule.
Safeguard your investment with insurance and enhanced protection.
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
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.
Credit Life and Disability Insurance
Never overpay for auto insurance again.
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
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
Check out our guide for more details about our Loan Protection options.
Learn more about these products and discuss the best option for you with your Financial Advocate when crafting your loan.
Additional Resources For Your Refinance
*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.
**(1) 3% oﬀ your current APR (Annual Percentage Rate) for auto, truck loans from outside On Tap Credit Union. With approved credit. Auto refi floor rate is as low as 1.99% APR. * A $10,000 loan for 60 months would result in a monthly payment of $175.24. Terms vary by vehicle type and amount financed. Loan qualification and (APR) Annual Percentage Rate based on individual credit worthiness. Not all borrowers will qualify for the best rate and terms may vary on amount financed. Rates are subject to change. Rate discount & $300 valid on loans over $7,500. (2) 3 months no payment is equal to 90 days no payment & interest will accrue from date of loan closing. $300 to be deposited into savings account within 30 days of closing. Oﬀer available on purchase or reﬁnanced amount only, NO CASH OUT and expires December 30, 2021. OTCU membership of $5 is required. OTCU reserves the right to withdraw this oﬀer at any time without notice & current OTCU loans not eligible for oﬀer. Federally Insured by the NCUA