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
- $300 cash back (when your original loan is from another financial institution)
- No loan payments for the first 90 days*
- Flexible loan term options
- Rates as low as 4.99% APR*
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. |
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|
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.
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Disclosures
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*Advertised annual percentage rates (APR) assume excellent credit; your actual APR will vary based on creditworthiness and other factors including loan type, vehicle model year, mileage, loan term, and loan amount. Rates subject to change. Payment Example: A 60 month loan at 5.99% APR would have a monthly payment of $19.33 per $1,000 borrowed. Example is for illustrative purposes only and may not reflect the lowest available APR.
90-Day Payment Deferral: Available based on credit approval and other qualifying factors. Interest accrues from loan closing and will continue to accrue during the payment deferral period. First payment is due approximately 90 days after the loan is finalized. Deferring payments may increase the total interest paid over the life of the loan.
Cash Back Offer Terms
$300 cash back available on qualifying external refinanced vehicle loans with a minimum loan amount of $10,000. Limit two cash back offers per member. Refinanced vehicle loans only; existing Mirastar vehicle loans are excluded. Offer effective April 1 through June 30, 2026. Rates and terms vary and are subject to credit approval.