Your lender's gonna hate this.
Refinance your auto loan and get 1% cash back—up to $500—plus no payments for 90 days.*
We're literally paying people to lower their car payment.
If you're still making payments on an auto loan from another lender, now may be the perfect time to make a move.
When you refinance your vehicle with Sierra Pacific Federal Credit Union, you'll receive:
✔ 1% cash back on the amount refinanced (up to $500)*
✔ No payments for 90 days*
✔ Competitive rates designed to help keep more money in your pocket
✔ Friendly local service from people who actually know your community
What could you do with an extra 90 days?
No auto payment for three months means more flexibility for whatever summer throws your way.
- Family vacations
- Home projects
- Summer activities
- Emergency savings
- Or simply a little breathing room
Because sometimes the best financial move is giving yourself more options.
Why refinance?
Many drivers are surprised to learn they may qualify for:
- A lower monthly payment
- A lower interest rate
- Better service and support
And with Sierra Pacific, you'll get all of that from a credit union that puts people first.
Ready to make the switch?
Get 1% cash back, no payments for 90 days, and a car loan you'll feel better about.
*1% cash back based on the refinanced loan amount, up to a $500 maximum. Existing Sierra Pacific Federal Credit Union loans and Empower loans are not eligible. Interest accrues during the deferred payment period. Subject to credit approval and membership eligibility. Offer valid June 1, 2026, through August 31, 2026. Offer subject to change without notice. Additional terms and conditions may apply.
*To participate in this offer, the Skip-A-Pay form must be returned to Sierra Pacific no later than three (3) business days prior to the scheduled monthly transaction date. Your ACH will not be stopped. Your funds will be available for withdrawal in your Sierra Pacific savings account. Available for November 2025 or December 2025 qualifying loans only. Loan must be open for at least three (3) months to qualify, and members must be in good standing. Interest will accrue during the entire term of the loan, including the non-payment period. HELOCs, credit cards, and overdraft lines of credit are not eligible. Not all members qualify. Members must apply between November 2025 and December 2025 to qualify. See credit union for details. Federally insured by NCUA.