Limited time offer!
Refinance your qualified auto loan with Transcend and receive your choice of a free Apple® iPad 11 or Apple® Watch Series 11!*
Got a high-interest car loan? Refinance with us and save!
We offer:
- Flexible terms tailored to you
- Car loan rates as low as 4.94% APR
- A quick & easy online application
- Plus, get a free Apple® iPad 11 (128GB) or Apple® Watch Series 11 (Standard Band)*
Get started in minutes when you Apply Now!
Why Refinance with Transcend?
- No hidden fees: What you see is what you get-- no surprises.
- Hassle-free customer service: Not loving your current lender's service? Switch to us for local, hassle-free support!
- Keep your car, ditch the rate: Love your current ride, but not your interest rate? We can fix that.
Apply Online, Contact Us or visit one of our Louisville, Kentucky locations for more information!
Disclosure: Rates as low as 4.94% APR are effective as of 6/1/2026 and are available to well-qualified borrowers for a limited time. This 4.94% APR represents our maximum promotional discount; it serves as the absolute floor rate and cannot be lowered further by any additional rate discounts or point reductions. Actual APR and loan approval are subject to creditworthiness, vehicle age, loan-to-value ratio, and repayment term. Payment example: a 60-month auto loan with a 4.94% APR equals a monthly payment of $18.85 per $1,000 borrowed. Subject to credit approval and membership eligibility requirements. Offers cannot be combined with other promotions.
*Promotional Gift & Cash Terms: Limit one (1) promotional reward per qualifying, closed auto loan. Offer valid strictly for external refinances of $20,000 or more; existing TCU auto loans do not qualify for this promotion. Offer begins 6/15/2026 and is subject to stop or change at any time. Upon successful loan closing, members may select one of the following rewards: an Apple iPad 11, an Apple Watch 11, or $350 cash back. If the $350 cash back is chosen, funds will be deposited directly into the member's Regular Savings account within 30 days from loan closing. The retail value of physical gifts or cash back may be reported to the IRS as taxable income on Form 1099-INT; consult your tax advisor.
Fulfillment & Pick Up Notice: If a physical item (Apple iPad 11 or Apple Watch 11) is selected, the reward must be picked up in person at a physical Transcend Credit Union branch location. Please note that promotional items are subject to availability and stock. Branch pickup may not be available on the same day as loan closing; due to supply chain timelines and inventory levels, please allow up to a few weeks for fulfillment. Members must call their preferred TCU branch location in advance to confirm item availability and arrange a pickup time. Apple is not a participant in or sponsor of this promotion. Apple iPad and Apple Watch are registered trademarks of Apple Inc.
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