• Auto Refinance amounts between $10,000 and $90,000
  • Low rates and flexible terms
  • Up to 90 days until your first payment*
  • No pre-payment penalties
  • Simple, no-hassle application process
  • Add or remove additional borrowers to your existing Auto Refinance
  • No limit on vehicle age when mileage and value requirements are met

* First payment is due after 90 days if you open a cash-back checking account and sign up for auto-pay of this car loan from that account. Standard days to first payment is approximately 45 days.

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Simply click on the “Get Started” button to access our online web application. It takes only a few minutes to complete.
The minimum credit score to qualify is 680, and the amount financed (your payoff) must be between $10,000 and $90,000. In addition, you must be current on your existing auto refinance and, if applicable, your mortgage.

Your existing loan can’t be with us, and your existing lender must be FDIC or NCUA insured. Most banks, credit unions, and larger auto finance companies meet this requirement.

We will finance new and used personal-use cars, minivans, SUVs, and light trucks. Your vehicle must have less than 125,000 miles and be valued between $8,500 and $90,000 KBB retail.

We don’t refinance Daewoo, Saab, Oldsmobile, Suzuki, or Isuzu vehicles; commercial vehicles; recreational vehicles (RVs); ATVs; motorcycles; boats; motor homes; camper vans; branded title vehicles; lemon vehicles; or vehicles without a Vehicle Identification Number (VIN) or title issued. At our discretion, we may determine a vehicle to be commercial or otherwise ineligible based on the model and/or information provided to us.
No, you can pay off your auto refinance at any time without any pre-payment penalties.
It’s quick. You’ll receive a decision in less than 24 hours.
You’ll need to review your existing GAP agreement or contact your GAP provider to determine whether your GAP policy terminates upon refinancing.
We’ll ask for your first and last name, date of birth, Social Security number, address, phone number, and employment information. Plus, we’ll need information on your vehicle, including its make, model, year, mileage, and vehicle identification number (VIN). The last thing you’ll need to provide is the name of your current lender, payoff amount, and monthly payment.
To determine whether you qualify for refinancing, we must review your personal credit. Your credit history will inform us of your lines of credit and payment history. This is a hard inquiry on your credit report with a minimal impact on your credit score.
No, we only refinance auto refinances with other lenders.
No, you are contractually obligated to make payments on your current auto refinance until your account is paid in full. To protect your credit, you should continue to make your payments until we have completed your refinance process and paid off your current lender. We’ll request a payoff from your lender and overnight or wire the funds to pay off your loan. Your lender may take 3-10 business days to process the payoff transaction. Only after your lender has processed the payoff can you stop making payments on your previous loan.
Yes, we offer rate discounts for participation in autopay. There’s an additional discount if you take advantage of our free checking account with up to 1.5% in cash back on qualifying purchases.
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