No need to refinance ever again!
Don’t refi. just modify your Star One car loan when the interest rate goes down.
Vehicle financing at Star One maximizes your options.
New car, used car, or refinancing your existing auto loan—from SUVs to EVs to everything in between, we make saving simple.
Rates as low as 4.75%APR[1] for new or used cars
- Up to 100% financing[2] (purchase price plus tax, license and service contracts) for new or used cars 10 model-years-old or newer
- Same low interest rate whether you choose a 3-year loan or 7-year loan
- Classic-car loans with up to 80% financing
- Electric-vehicle financing for your Tesla or other low-emission auto with our signature low rates
- Lease-buyout loans let you take ownership of the car you're currently leasing
Auto loan payment calculator
$
5 - Year Auto Loan
6 - Year Auto Loan
7 - Year Auto Loan
Refinance your auto loan from any lender.
Trade in that old loan for a lower interest rate.
Refinancing your current auto loan with us could give you a lower rate, reduce your monthly payment, or adjust your term to fit your budget. When rates drop—or your credit improves—it may be the perfect time to refinance and potentially save over the life of your loan.
Our competitive low fixed interest rates apply to new and used vehicles with extended loan terms and full financing. We offer the same financing option for used vehicle models up to 10 years old.
Quick car financing and preapproval
Members and non-members. Apply for a Star One car loan online for an instant preapproval.
Looking to buy a car?
Shop thousands of quality cars at competitive prices on our AutoSMART web site.
Optional protection plans
Get financial protection against many mechanical breakdowns that normally fall outside of the manufacturer's warranty, or which occur after the warranty has expired.
MMPI is available for new and used vehicles. Add-on miles available—up to 105,000 miles on top of current odometer.
What does MMPI cover?
MMPI can cover the costs of many major repairs, such as engine, transmission, drive axle, fuel system, and electrical, just to name a few.
MMPI can also help with 24-hour roadside assistance, rental-vehicle assistance, key-fob replacement, a tire-protection plan, and trip-interruption coverage.
Deductibles per visit are $0 (surcharge applies) or $100 (standard), and three different plans are offered: Select, Deluxe and Ultimate.
View more details in our Major Mechanical Protection PDF brochure.
Exclusions and deductibles may apply. Some vehicles are ineligible for MMPI—such as RVs, Subaru WRX, all Porsche and Tesla models, and others. View a list of ineligible vehicles here.
Find the right loan for your ride
Low rates, flexible terms and local support — no matter what you drive.
Finance your next car, truck or SUV, new or used, with low rates and terms up to 7 years.
Lower your rate or payment — or modify without a full refinance.
Have a Star One loan? Change the interest rate or terms of your existing car loan.
Skip the search, avoid surprises, and keep the car you already know and trust.
Finance up to 80% of CPI guide value for your vintage or antique car.
New or used EV and Tesla financing at low rates, up to 7 years.
Finance up to 100% of NADA value on a new or used motorcycle.
Flexible terms and competitive rates for RVs, motorhomes, and campers.
Finance up to 100% of NADA/marine survey value on a new or used boat.