Give Your Budget Some Breathing Room

Refinance your auto or recreational loan with Magnifi Financial Credit Union and we'll beat your current rate* to save you money.

$100 Bonus when we refinance your loan with a lower rate
$50 Bonus if your current rate is already unbeatable

Start Auto Loan Application

Start Rec Loan Application

It’s a Win-Win with Magnifi

Lower Your Rate. Earn A Bonus Either Way.

Refinance & Save

If we beat your current auto or recreational loan rate:

✔ $100 Bonus
✔ Lower monthly payment
✔ Save over the life of your loan

Apply & Earn

If your current rate is already unbeatable:

✔ $50 Bonus
✔ No pressure
✔ No obligation to refinance

Check Your Rate

Refinance in minutes and see if you could lower your rate AND earn a bonus.

Move Forward with Confidence

Know you explored your options. It pays to check with Magnifi.

Your Money Does Good Here.

When you choose Magnifi, your money works for more than your goals. It supports families across our communities.

Through our 3 Essentials Program, every mortgage, auto loan, and checking account helps provide:

1 Mortgage Loan = 1 Night of Housing
1 Auto Loan = 100 lbs of Food
1 Checking Account = 1 Item of Clothing

No extra cost or extra steps. Just everyday choices that make a real impact close to home. It's the easiest way you'll ever give back.

The Beat Your Rate promotion is available for consumer auto and recreational vehicle loans currently financed with another financial institution. Applicants must apply and qualify for a Magnifi Financial loan based on Magnifi’s standard underwriting guidelines, lending policies, and minimum rate floors. Rate comparison is based on the verified interest rate from the applicant’s current lender and the interest rate the applicant qualifies for with Magnifi.

If Magnifi approves a lower interest rate than the verified existing rate, the loan may be refinanced with Magnifi at the approved lower rate and the member will receive a $100 bonus deposited into their Magnifi share account on the first day of the month following loan closing.

If Magnifi cannot offer a lower interest rate than the verified existing rate, the member will receive a $50 bonus deposited into their Magnifi share account within two business days of confirmation that Magnifi cannot beat the current rate.

Eligible loans must have an original balance of $10,000 or greater. Existing Magnifi loans and refinance cash-out loans are not eligible. Membership with Magnifi Financial is required to receive a bonus.

Promotion valid March 18 through July 1, 2026 and may be modified or discontinued at any time. Bonus payments may be considered dividends and may be reported for tax purposes. Additional terms and conditions may apply.