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Refinance Your Auto Loan

Refinancing can be a great financial move by lowering your auto payment or shortening the term of your loan.

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Low Rate Auto Loans

Starting at 2.99% APR++

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Get More Control Over Your Auto Loan

One of the most common reasons car owners choose to refinance their auto loan is to lower their interest rate. When you refinance your auto loan at a lower interest rate, you could lower your monthly payments or pay off your loan quicker. If you are eligible to refinance your auto loan, the original terms of your loan will be adjusted into your new loan terms. This could mean paying less interest over the life of your loan, as well as having peace of mind through Arbor Financial’s great optional payment protection products.

Common reasons to refinance may include:

  • Your credit score has significantly improved
  • Consolidating debt through refinancing
  • Freeing up money in your monthly budget

Reduce Loan Term

Consolidate Debt

Lower Your Payments

Why Arbor Financial?

  • Many loan terms are available
  • Easy online applications
  • Apply over the phone 24/7
  • Local loan experts to help you navigate the process

If you are looking for an affordable and competitive auto loan, consider getting in touch with one of our loan specialists. Call us at 269.488.5945 or schedule an appointment today to find the loan that fits your needs.

Year Term APR as low as*
2022-2021 (up to 100% LTV Max) Up to 36 months 2.99%
37 - 48 months 3.24%
49 - 60 months 3.99%
61 - 72 months (Call for details) 4.49%
73 - 84 months (Call for details) 4.99%
85 - 96 Months (Call for details)** 5.99%
2020-2015 (up to 100% LTV Max) Up to 36 months 2.99%
37 - 48 months 3.24%
49 - 60 months 3.99%
61 - 72 months (Call for details) 4.49%
73 - 84 months (Call for details) 5.24%
85 - 96 months (Call for details)** 5.99%
2014 and older Call for Rates

*Annual Percentage Rate (APR). Rates disclosed are the lowest rates available and are determined by your credit score and loan to value at the time of application. Rates subject to change.

**85 - 96 month term is available to borrowers with a maximum vehicle age of two years, with a minimum loan amount of $45,000, and with qualifying credit. Call for details.​

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Contact our lending specialists to discuss options at 269.488.5945 available 24/7.

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Information and interactive calculators are available as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

How To Refinance

The refinance process is very similar to applying for your first auto loan. When you apply, you will still need to qualify for your specific type of auto loan, secure an interest rate, and cover closing costs as necessary.

If you have decided that refinancing is the right option for you, here are some simple steps to ensure that you get the most from your refinanced auto loan.

When applying to refinance your auto loan, make sure that you consider the following:

  1. Determining your financial goals
  2. Shopping around for the right type of auto loan
  3. Talking to a loan specialist for the best interest rates
  4. Securing your interest rate
  5. Agreeing upon loan terms and finalizing your loan

Call us at 269.488.5945, apply online, or schedule an appointment today to find the loan that fits your needs.
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+Annual Percentage Rate (APR). Rate effective 8/1/22 for a limited time. Rate may vary depending on credit history and underwriting factors. Subject to credit approval. Program, rate, terms and conditions subject to change without notice.

++Qualifying borrowers may be eligible to defer their first payment for up to 90 days, dependent upon credit score and when the loan closes. Interest accrues from date of loan disbursement and is collected on the first payment(s) applied.