Refinance My Auto Loan
Spend less on your loan and more on the things that matter.
We’re here to help save you money.
Do you have a high-interest rate auto loan from another lender or are you simply trying to lower your monthly payment? Our knowledgeable loan advisors will guide you along the process to find a loan that fits your budget.
Benefits
Lower your monthly payment
A reduced interest rate can lower your monthly payments, freeing up cash for other bills or expenses.
Adjust your loan term
Circumstances change. Our refinancing helps you choose a more flexible repayment period that fits your current situation.
Pay off your loan faster
With a better term and a lower rate, you could potentially pay off your loan a lot faster than you originally planned.
Cash back when you refinance with us
- Potential savings on your interest rate, depending on credit and loan terms*
- $300 cash back
- Flexible loan term options for qualified borrowers
- You may qualify for a lower rate and payment, based on your credit profile
Offer valid until June 30, 2026.
*Terms and conditions apply.
Today’s rates
We offer affordable loan rates for your next new or used vehicle or motorcycle.
|
Loan Type |
APR2 |
Terms |
|---|---|---|
|
1Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness and the term of your loan. All loan policies, rates and terms are subject to change without notice and all loan requests are subject to credit approval. You will be notified of the base rate for which you qualify when your loan request is approved. Payment example: Pay $29.97 per month per $1,000 borrowed at 4.99% APR for 36 months. For more payment samples, use our payment calculator or call 408-282-0700 to speak with a Loan Advisor. 2APR = Annual Percentage Rate. All loan policies, rates and terms are subject to change without notice and all loan requests are subject to credit approval. 8.49% APR is valid for terms up to 60 months. Quoted loan rate is the lowest rate offered based on individual credit worthiness. Payment amount per every $1,000 borrowed at 8.49% for 60 months equals $20.51 per month.Borrower must be over 18 years old; employed at least part-time; a student at an accredited college, university, or trade school, or a recent graduate (less than one-year post graduation). Must have no FICO score, or limited credit history. Down payment required. |
||
|
Loan Type New, Used & Refi1 |
APR2 4.99% – 16.49% |
Terms up to 36 months |
|
Loan Type New, Used & Refi1 |
APR2 5.49% – 16.99% |
Terms 37 to 60 months |
|
Loan Type New, Used & Refi1 |
APR2 5.74% – 12.99% |
Terms 61 to 72 months |
|
Loan Type New, Used & Refi1 |
APR2 5.99% – 9.49% |
Terms 73 to 84 months |
|
Loan Type New, Used First Time Buyer Program1 |
APR2 7.99% – 9.99% |
Terms up to 60 months |
|
Loan Type College Auto Loan Program2 |
APR2 8.49% |
Terms up to 60 months |
|
Loan Type |
APR |
Terms |
|---|---|---|
|
1Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness and the term of your loan. All loan policies, rates and terms are subject to change without notice and all loan requests are subject to credit approval. You will be notified of the base rate for which you qualify when your loan request is approved. Payment example: Pay $29.97 per month per $1,000 borrowed at 4.99% APR for 36 months. For more payment samples, use our payment calculator or call 408-282-0700 to speak with a Loan Advisor. |
||
|
Loan Type New, Used & Refi1 |
APR 6.99% – 13.99% |
Terms up to 36 months |
|
Loan Type New, Used & Refi1 |
APR 7.99% – 14.99% |
Terms 37 to 60 months |
Apply for refinancing today.
Knowledge is powerful.
Get the facts you need—expert tips, advice, and insights on everything vehicle-related to help you make informed decisions.
Have you been told your car is a total loss? What next?
All You Need to Know About Personal Loans
Travel Hacks: Road-Tripping for Less
Disclosures
-
*$10,000 minimum loan amount. Limit two cash back offers per member. Refinanced vehicle loans only. Effective April 1- June 30, 2026. Advertised annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, loan type, model year, mileage, term, and loan amount. Rates subject to change.
Cash Back Offer Terms:
$300 cash back available on qualifying refinanced vehicle loans with a minimum loan amount of $10,000. Limit two cash‑back offers per member. Refinanced vehicle loans only. Offer effective April 1 – June 30, 2026. Rates and terms vary and are based on multiple factors, including credit history, loan type, vehicle model year, mileage, term, and loan amount. Rates are subject to change.