A lot changes in 12 months. See if your rate should too.
Enter your loan information and calculate to view your estimate.
Receive a $100 credit applied directly to your account on your first auto payment.
All qualifying members can defer their first payment for 90 days. Free up your budget while your savings kick in.
Enter your current loan details above. See your estimated new payment in seconds. No hard pull required.
Submit your contact info. Our loan team reaches out within one business day with your actual rate offer.
Choose your first payment option: Get a $100 account credit after your first payment, or defer your first payment for 90 days and start fresh with a lower monthly payment.
Rates as low as 5.74% APR for qualified borrowers
Account credit after your first auto loan payment for qualifying members
No payment required to start for all qualifying members
Average time to calculate your estimated savings
Yes. The District offers rates for credit scores from 640 and above. A borrower at 680 who has made every payment on time is a strong candidate for a meaningful rate improvement over what a dealership quoted them. The calculator shows your rate tier before you apply so there are no surprises.
Yes — and that is exactly who this promotion is designed for. Most dealership financing includes a rate markup above what you actually qualified for. The District refinances loans from any external lender. The only exclusion is existing The District Credit Union loans.
Most refinances close within a few business days after submitting your application. Our loan team contacts you within one business day of your inquiry to walk you through next steps and confirm your actual rate offer
No. Using the savings calculator requires no credit pull whatsoever. A soft credit check is performed when you submit your contact information for a rate offer. A hard pull only occurs if you proceed with the full application.
Credit Sense is a free credit monitoring tool available through The District’s online and mobile banking. Enrolling in Credit Sense alongside Auto Pay and e-Statements is one of the three qualifying actions that unlocks your $100 account credit after your first auto payment.
The Zoom Refi 2026 promotional offer is available through July 30, 2026. Loans must be funded by the promotion end date to qualify for the $100 account credit, and 90-day payment deferral. The District reserves the right to modify or end the promotion at any time.
Disclosure: APR = Annual Percentage Rate. Rates as low as 5.74% APR for well-qualified borrowers. Actual rate based on creditworthiness, loan-to-value ratio, term, and vehicle eligibility. 0.25% rate reduction requires Auto Pay from a The District checking account; cannot reduce APR below the 5.74% floor. $100 account credit applied at closing when member completes Auto Pay, e-Statements, and Credit Sense enrollment. Incentive may be reported as income; member responsible for applicable taxes. Consult your tax advisor. First payment deferred for 90 days; interest accrues and will extend the loan term. Refinancing not available on existing The District Credit Union auto loans. Calculator estimates are for illustrative purposes only and do not constitute an offer or guarantee of rate or terms. All loans subject to credit approval. Membership eligibility required. The District Credit Union is federally insured by the NCUA. Equal Housing Lender.
The District Credit Union’s terms, privacy, and security policies do not apply to the external website you are about to visit. The District does not endorse, guarantee, or control any product, service, or content available on the external site. Additionally, The District is not responsible for the security or privacy practices of the external site, nor for the privacy or security of any information you may provide to others on the site. We encourage you to review the privacy policy of the external website for more details.
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