Earn 1% Cash Back* on your auto loan.
Up to $500, plus no payments for 90 days and rates as low as 3.39% APR* when you refinance your auto loan from another lender. Details

Refinancing from another lender?

Day Air may be able to lower your monthly payment.

Not looking to purchase or lease a new or used car right now but you have a vehicle that’s financed elsewhere? Give us the opportunity to earn your business and let us see if we can lower your monthly payment – what is there to lose?

If you do decide to refinance your auto loan with us, rest assured there’s a no-hassle approach. Basically, you’ll just need to sign the loan papers! We’ll take care of paying off the old loan and transferring the title to Day Air Credit Union.

If you don’t decide to refinance, we only ask you to think of us first the next time you’re ready for a new auto loan.

Questions? Just call 937-643-2160

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Drive Away Happy with your Car Loan


  • Competitive Rates
  • Flexible terms up to 84 months
  • Up to 110% financing
  • FREE pre-approvals
  • No pre-payment penalties
  • No application fees
Loan Type Fixed APR*
(as low as)
Variable APR*
(as low as)
 Model years: 2016 and newer.
*Rates may change based on loan to value.
2.65% 4.50%
Model years 2015 and older.
*Rates may change based on loan to value.
3.85% 4.50%

No Pre-Payment Penalties
Route 66 Extended Warranty Coverage
Mobile Used Car Inspections



APR = Annual Percentage Rate
APY = Annual Percentage Yield
LTV = Loan-to-Value

All loans are subject to credit approval and other underwriting requirements. To find out what your rate will be, contact a loan officer. For plans with a variable rate feature, the annual percentage rate may vary. Prime is currently 5.50% APR as stated in the Wall Street Journal, subject to adjustment on the first day of each calendar quarter.

Members that meet all qualifications of the Loan Benefit Club will receive 0.25% loan benefit credit to an auto, recreational and closed-end signature loan each month qualifications are met (Misc. loans excluded) Day Air Loan Benefit Qualifications: debit card, minimum accumulation of $500 monthly ACH deposit, enrolled in e-statements- loan benefit paid as a credit to the loan each month that qualifications were met the prior month. Qualifications must be met on the same Day Air membership as the qualified loan; qualified loan must be closed on or after August 1, 2015.

A $20,000 new car loan for a term of 60 months at 3.79% APR, the monthly payment would be $366.51.

Rates subject to change. Please call for most current rates.

*Processing fee applies and will increase the Annual Percentage Rate.

Day Air Fee Schedule