Refinancing Your Vehicle Loan with Blaze is Easy
Apply online in less than five minutes, and you'll get a decision on your loan within two business hours.
Once you send or drop off your title, you can complete the closing process digitally—no appointments to set or hoops to jump through.
Get $100 When You Switch to Blaze
Not only will you get a lower rate on your vehicle loan when you refinance, we'll also give you $1002 just for switching.
No Payments For Up To 60 Days
Switch your vehicle loan to Blaze and enjoy no loan payments for up to 60 days.
Get $50 Guaranteed
Even if you apply and we can't get you a lower rate on your vehicle loan, we will still give you $50.4
Why Bring Your Car Loan to Blaze
At Blaze, we work with you to find you a better rate on your car loan and we'll give you $504 just for applying. If we're able to beat your rate, we'll give you a $1002 bonus.
Qualified borrowers may finance up to 125% of J.D. Power values on used vehicles. Rates and discounts vary by term, vehicle year, and relationship eligibility.
Customize Your Blaze Vehicle Loan
With low rates and terms up to 84 months, you can choose the right auto loan for the car you want.
Blaze Makes Financing Quick & Easy
Apply for your Blaze loan online in just minutes and find out if you're approved within two business hours.
You can also meet with a Blaze representative to discuss your options and apply on the spot.
Your Loan Stays Local
Our Minnesota-based Blaze loan officers, decision-makers, and servicers make buying a car local and personal.
You'll always know who to contact when you need guidance on the next step of your journey.
Vehicle Loan Rates
Auto loan rates reflect Blaze loyalty benefits including a .25% discount for setting up automatic payments in Blaze Digital Banking, a .25% discount for having an active Blaze checking account, and a .10% discount for having a Blaze Visa® Credit card.
Used VehiclesRates Effective: 1/2/2026
Rate Type |
APR* | Monthly Term | Monthly Payments |
|---|---|---|---|
| Used Vehicle (2014-2025)+ | 4.490 | 36 | 297.42 |
| Used Vehicle (2022-2025) | 5.300 | 48 | 231.65 |
| Used Vehicle (2022-2025) | 5.500 | 60 | 191.01 |
| Used Vehicle (2022-2025) | 5.700 | 72 | 164.32 |
| Used Vehicle (2022-2025) | 6.050 | 84 | 146.33 |
| Used Vehicle (2014-2021) | 6.300 | 48 | 236.23 |
| Used Vehicle (2014-2021) | 6.800 | 60 | 197.07 |
| Used Vehicle (2014-2021) | 6.950 | 72 | 170.25 |
*APR= Annual Percentage Rate.
Auto loan rates disclosed reflect a 0.25% discount for automatic payment, a 0.25% discount for having an active checking account, and a 0.10% discount for having a Blaze Visa Credit Card. Finance up to 125% of the MSRP on new autos and 125% of the JD Power values on used autos for qualified borrowers. Rates will be higher on loans with a Loan-to-Value ratio over 85%.
Rates and terms are subject to qualification. Other restrictions may apply.
+Rate based on 36-month term, with automatic payment on autos 2014 and newer. Payment example, a $10,000 auto loan at 4.49% APR for 36-months, monthly payment would be $297.42. Minimum amount financed is $5,000. Other discounts and offers do not apply.
Monthly payments based on $10,000 borrowed.
Loans are subject to credit approval. Other terms and conditions may apply.
New vehicles must be model year 2025 or newer with less than 10,000 miles.
Interest rates subject to change at any time.
See a staff member for details.
Protect Your Vehicle
From Mechanical Breakdown to Deductibles, You're Covered.
Protect your vehicle and your finances with mechanical breakdown, guaranteed asset, and auto deductible protection.
Calculate Your Journey
Use our free, easy-to-use financial calculators to answer common money questions and help you confidently blaze your financial path.
2Offer valid on vehicle loans currently financed with a lender other than Blaze. Minimum amount financed is $5,000. $100 will be deposited to the share savings account upon loan account opening. Loans subject to credit approval. Offer subject to change without notice. Other terms and conditions may apply. Must be a Blaze Credit Union member. Member responsible for any applicable taxes. Subject to termination at any time.
4Offer valid on auto loans currently financed with a lender other than Blaze. Blaze will beat the interest rate from another financial institution by at least 0.50% with a minimum interest rate floor of 0.50% below the current Blaze New Vehicle 36 month rate (not including Checking/Visa discounts). Promotional 0% interest loans do not qualify. Minimum amount financed must be $5,000. Must provide verification of current interest rate at other financial institution to qualify. Loans subject to credit approval. Members will receive $50 deposited to their account within 30 days of application if Blaze cannot approve the loan, beat the existing interest rate by at least 0.50% and approve the loan under the current structured terms they currently reside under. Offer subject to change without notice. Other terms and conditions may apply. Must be a Blaze Credit Union member. Member responsible for any applicable taxes. Offer expires 12.31.2025.
