--- title: Excite Credit Union Blog | Budgeting (3) description: Budgeting | Helpful financial tips and community news from your local credit union – grow your knowledge and your savings. 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Both short and long auto loan terms have their pros and cons. Choosing the right term is important because it will impact your monthly... [Read More](https://blog.excitecu.org/buying-a-car-what-terms-should-you-get-excite-credit-union?hsLang=en) --- ## [How to Refinance an Auto Loan](https://blog.excitecu.org/how-to-refinance-an-auto-loan-with-calculator?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) February 25, 2022 [Budgeting](https://blog.excitecu.org/topic/budgeting?hsLang=en), [Auto](https://blog.excitecu.org/topic/auto?hsLang=en) [![](https://blog.excitecu.org/hubfs/AdobeStock_196072019.jpg)](https://blog.excitecu.org/how-to-refinance-an-auto-loan-with-calculator?hsLang=en) Refinancing your auto loan is a simple way to get a lower APR or change your term so you have the right monthly payment for your changing financial situation. To do an auto loan refinance, you follow similar steps as when you took out your... [Read More](https://blog.excitecu.org/how-to-refinance-an-auto-loan-with-calculator?hsLang=en) --- ## [Credit Card Payoff Plan \[With Payoff Calculator\]](https://blog.excitecu.org/credit-card-payoff-plan-with-calculator?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) January 26, 2022 [Budgeting](https://blog.excitecu.org/topic/budgeting?hsLang=en), [Talking About Money](https://blog.excitecu.org/topic/talking-about-money?hsLang=en) [![](https://blog.excitecu.org/hubfs/AdobeStock_272630945.jpg)](https://blog.excitecu.org/credit-card-payoff-plan-with-calculator?hsLang=en) It can be easy to push aside credit card debt and pretend it doesn’t exist, but facing it head-on is the only way to truly tackle it. If you’ve racked up a lot of debt, paying it off is going to take time and patience. Having a credit card payoff... [Read More](https://blog.excitecu.org/credit-card-payoff-plan-with-calculator?hsLang=en) --- - - [1](https://blog.excitecu.org/tag/budgeting/page/1?hsLang=en) - [2](https://blog.excitecu.org/tag/budgeting/page/2?hsLang=en) - [3](https://blog.excitecu.org/tag/budgeting/page/3) - ### Posts by Topic - [Talking About Money (51)](https://blog.excitecu.org/tag/talking-about-money?hsLang=en) - [Savings (28)](https://blog.excitecu.org/tag/savings?hsLang=en) - [Budgeting (23)](https://blog.excitecu.org/tag/budgeting?hsLang=en) - [Building Credit (12)](https://blog.excitecu.org/tag/building-credit?hsLang=en) - [Auto (10)](https://blog.excitecu.org/tag/auto?hsLang=en) - [Credit Unions are Different than Banks (6)](https://blog.excitecu.org/tag/credit-unions-are-different-than-banks?hsLang=en) - [Retirement (6)](https://blog.excitecu.org/tag/retirement?hsLang=en) - [Security (6)](https://blog.excitecu.org/tag/security?hsLang=en) - [Business Services (5)](https://blog.excitecu.org/tag/business-services?hsLang=en) - [Emergency (5)](https://blog.excitecu.org/tag/emergency?hsLang=en) - [Parenting (5)](https://blog.excitecu.org/tag/parenting?hsLang=en) - [Small Business (5)](https://blog.excitecu.org/tag/small-business?hsLang=en) - [Credit Cards (4)](https://blog.excitecu.org/tag/credit-cards?hsLang=en) - [Real Estate (4)](https://blog.excitecu.org/tag/real-estate?hsLang=en) - [Taxes (4)](https://blog.excitecu.org/tag/taxes?hsLang=en) - [Community Engagement (2)](https://blog.excitecu.org/tag/community-engagement?hsLang=en) - [Home Improvement (1)](https://blog.excitecu.org/tag/home-improvement?hsLang=en) - [Insurance (1)](https://blog.excitecu.org/tag/insurance?hsLang=en) - [Student Loans (1)](https://blog.excitecu.org/tag/student-loans?hsLang=en) see all ### About Excite - [About Us](https://excitecu.org/in-the-community/about-us/locations) - [Careers](https://excitecu.org/in-the-community/about-us/careers) - [Community](https://excitecu.org/in-the-community/community/excitecares) - [Legal](https://www.excitecu.org/Legal) - [**Phone: 800.232.8669**](tel:8002328669) - **Routing: 321176804** - **NMLS #477592** ### Resources - [Forms](https://www.excitecu.org/Learn/About-Us/Forms) - [Order Checks](https://www.deluxe.com/products-services/financial-checks-retail-linking.jsp) - [Opt Out](https://newapps.excitecu.org/MemberOptOuts/OptOutHome) - [Sitemap](https://www.excitecu.org/Sitemap) - [Privacy](https://excitecu.org/in-the-community/about-us/privacy) - [Make a Payment](https://www.excitecu.org/Payment-Options) - [Homeowner Hardship Assistance](https://www.excitecu.org/Personal/Borrow/Home-Loans/Home-Loan-Hardship-Assistance) ### Follow Us | [![Download on the App Store](https://www.excitecu.org/Content/Images/mobile-app-apple.png)](https://apps.apple.com/us/app/excite-mobile-banking/id441879558) | [![Get it on Google Play](https://www.excitecu.org/Content/Images/mobile-app-google.png)](https://play.google.com/store/apps/details?id=com.ifs.banking.fiid5230) | | --- | --- | Equal Housing Opportunity Federally Insured by NCUA © 2021 **Excite Credit Union**. 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