A shiny, new loan might be the update your vehicle needs

Standard features

All Sikorsky Credit Union refinancing options feature low rates.

Repayment flexibility

Choose from various terms to pay off your new loan.

Money-saving ideas

Our lenders can explain how you might trim your monthly payment or overall interest charges.

Your car, truck, or SUV still looks good. It's running great. But is your current financing from another lender cost-efficient? Our lending team is ready to shift into gear and show you how a new loan with Sikorsky Credit Union might work to your financial advantage.

  • Refinance your current auto loan from another lender to Sikorsky Credit Union


Sikorsky Credit Union has been named the #1 Credit Union in CT for the past four years and offers membership to those living, working, volunteering or worshiping in Fairfield, New Haven & Hartford counties.

Frequently asked car loan questions

Yes, you can. Refinancing an auto loan you have with another lender to Sikorsky Credit Union may save you money. Learn more on our Auto Refinance page.

The difference between what you pay for the vehicle and the residual value is used to determine the principal portion of your payment, which results in a lower monthly payment than conventional financing.

Residual value is established based on the term of the loan using industry approved guidelines similar to leasing. The Advantage Auto Loan uses standard industry residual values. The residual value is not inflated to arrive at an arbitrary lower payment. This means if you elect to keep the vehicle upon loan termination you will not have to pay an inflated price to pay off the loan.

You can select a 7,500, 10,000,12,000, 15,000, or 18,000 miles per year option. The excess mileage cost is only $.10 a mile, unlike leasing which can cost up to $.25 per mile. End of term fees only apply if you exercise the "walk- away" option.

No, we do not. Many leases require the first and last payments to be made at the time of loan disbursement-our Advantage Auto Loan does not.

Yes, you can. Because you own the vehicle you may pay the loan off, sell the vehicle, or use it as a trade-in at any time during the term of the loan—without any penalty. With a traditional lease, these options typically come with a stiff "early termination" fee.

With traditional leasing, if you decide to keep your vehicle, you have to buy it out. Which means you'll pay tax, title and license on the vehicle you've been driving. With the Advantage Auto Loan, you simply refinance your balance into a conventional loan, no additional charges. It's already titled in your name.

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