Breathe a Sign of Financial Relief!
Let Pathways and Incenta save you money.

As your local, trusted financial institution, we are here to help during these challenging economic times Our auto refinance program is here to put more money back in your pocket – because that’s where you need it right now.

• No payments for 90 days!
• Lower payments
• Flexible terms

We’re more than just a financial partner. We’re also your neighbor, so we understand what you’re going through, and we are here to support you in any way we can. We’ll get through this together.

Take some of the financial burden off your shoulders – refinance your auto loan with us!

Text ‘Apply’ to: (614) 340-4100
Call us: (800) 367-7485

Or Apply Online Now

Apply Now


Central Ohio has trusted Pathways for 70 Years

Pathways has helped hundreds of thousands of families purchase or refinance their vehicle for more than 70 years, and as the fastest-growing credit union in Ohio in the last ten years, you know you can trust our experts.

  • Fast and local decision-making
  • Flexible financing terms
  • Low-cost credit life, credit disability, and GAP insurance
  • 100% financing available
  • No pre-payment penalties
  • Technology tools that make checking your vehicle loan balance both simple and convenient
  • Options available to pay your vehicle loan through payroll deduction, direct deposit, or transfer from your Pathways or other accounts via ACH.
  • Your loan stays local. Pathways will never sell the servicing of any loan to another financial institution.
  • Exclusive member benefit – auto insurance savings through TruStage Insurance
  • ANOTHER Exclusive member benefit – Pathways Car Buying Service with TruCar


Calculate Your Potential Savings

Your Savings

Interest savings: $
Transfer bonus: $
No payments for 3 months: $
Extra Money In Your Pocket: $

Text us at: (614) 340-4100
Call us: (614) 416-7588
Apply in person at one of our Central Ohio branches

Apply Now

*APR = Annual Percentage Rate. Borrowers with credit scores of 740+ are eligible for 4.07% APR. Rate applies to used vehicles 2019 or newer, your individual credit history and may be different from the rates quoted above. For cash back offer: Minimum loan amount $3,000; you will earn 1% of the auto loan balance transferred; maximum cash back $1,000. Early payment penalty fee will be assessed if transferred auto loan is paid off within the first 6 months. Offers valid through December 31, 2020.  We reserve the right to extend or end this promotion at any time. To obtain additional information, please contact your local branch of Pathways Financial Credit Union. Existing Pathways loans not eligible for this offer.