Refinance My Auto Loan

Spend less on your loan and more on the things that matter.

Apply online Not a member yet? Join Mirastar.

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.

Today’s rates

We offer affordable loan rates for your next new or used vehicle or motorcycle.

Vehicle Loan Rates
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: Payment example: Pay $30.64 per month per $1,000 borrowed at 6.485% 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. 0.485% 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 10.485% for 60 months equals $21.49 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 6.485% – 17.990%	Terms up to 36 months
Loan Type New, Used & Refi¹	APR² 6.735% – 17.990%	Terms up to 60 months
Loan Type New, Used & Refi¹	APR² 6.985% – 14.735%	Terms up to 72 months
Loan Type New, Used & Refi¹	APR² 7.235% – 10.985%	Terms up to 84 months
Loan Type New, Used First Time Buyer Program¹	APR² 10.235% – 11.985%	Terms up to 60 months
Loan Type College Auto Loan Program²	APR² 10.485%	Terms up to 60 months

Motorcycle Loan Rates
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 $30.64 per month per $1,000 borrowed at 6.485% 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 7.960% – 14.210%	Terms up to 36 months
Loan Type New, Used & Refi¹	APR 8.460% – 14.710%	Terms up to 60 months

FAQs

Mirastar offers great rates and flexible terms on our auto loans.

We make it easy and fast to apply with all our loan programs. And we can set up your financing in advance, so you can shop for your car with confidence. We can even help you shop! Check out our Car Buying Service options available for your convenience.

Apply now or give one of our Loan Advisors a call today at 408.282.0700 and select option 3! You can even visit us in person at one of our convenient branch locations.

Make the most of your money.

Mirastar has a variety of insurance options to protect your valuables, as well as digital calculators to determine which auto payment works best for you and your budget.

Protect My Vehicle

Life can be unpredictable. This is why we offer debt protection, GAP protection, depreciation protection, and mechanical breakdown insurance for your vehicle – so you’re covered when life throws you a curveball.

Learn more

Calculators

Whether you’re planning a mortgage or calculating loan payments, these tools help you make informed decisions so you can plan for your future in real time.

Learn more

Apply for refinancing today.

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Knowledge is powerful.

Get the facts you need—expert tips, advice, and insights on everything vehicle-related to help you make informed decisions.

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Disclosures

*Eligibility requirements and additional terms apply. Existing Mirastar loans are excluded from this offer. This offer is subject to all Mirastar loan policies and is subject to credit approval. Rates and terms of this offer are subject to change or cancelation without notice prior to acceptance. $100 cash back award is only available for loan amounts of $10,000 or greater. Limit one cash back award per loan closed. $100 cash back award will be deposited directly into your share savings account 90 days after loan funding. Loans that are paid off within 90 days of opening will not qualify.

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 $30.62 per month per $1,000 borrowed at 6.435% APR for 36 months. For more payment samples, use our payment calculator or call 408-282-0700 to speak with a Loan Advisor.