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- Free Momentum CheckingEarn up to 3.00% APY+ on your balance, the more you use your debit card.
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- Personal
- Checking & Savings
- Checking
- Free Momentum CheckingEarn up to 3.00% APY+ on your balance, the more you use your debit card.
- Free CheckingKeep moving ahead with no minimum balance or monthly service fees slowing you down.
- Premier CheckingSizable dividends and easy access are the feature attractions.
- Volt BankingDesigned for young adults (age 19-24). Offering seriously reduced fees as you learn to manage your money.
- Savings
- CD & IRAStart saving for the longer term with competitive rates and certain tax advantages.
- Money MarketEarn a higher APY while enjoying the convenience of immediate access to your savings. A $500 minimum deposit is required to open a Maximum Money Market Account.
- Special SavingsSave for holidays, vacations and all the special moments in between.
- Youth & Teen
- Debit & ATM Cards
- Ways to Manage Your Money
- Mobile & Online BankingBank anytime. Bank anywhere. Pay your bills online, check your balance, apply for a loan and monitor your finances when it's convenient for you.
- Digital WalletLeave your wallet in your pocket, or at home, and just tap your phone toward the point of sale for a contactless transaction.
- Video TutorialsLearn all the features and functions that mobile and online banking offers.
- Deposit Rates
- Checking
- Home Loans
- Buy a Home
- Mortgage OptionsDiscover the mortgage that's right for you.
- Fixed Rate MortgagesFlexible terms and stable monthly payments.
- Low & No Money DownPerfect for first-time home buyers with limited downpayment.
- FHA LoansGreat for first-time buyers with less-than-perfect credit.
- Bridge LoanLooking for your second home and need a way to get out of your first?
- Jumbo MortgageAn XL loan for those higher-priced properties.
- Physician MortgageShowing how we feel about those that heal.
- Renovation LoanFound your dream home, but it needs a few small fixes.
- Refinance
- Construction Loan
- Home Equity Loans
- Calculate a Payment
- Rates
- Apply for Mortgage
- Access Existing Application
- Buy a Home
- Credit Cards
- Loans
- Auto
- Auto Loan OverviewLow rates and fast approvals put you in the driver's seat.
- New & Used Auto LoansWhether it's a new car or used one we have financing options for you.
- Refinance Auto LoansRefinancing can be a great financial move by lowering your auto payment or shortening the term of your loan.
- Motorcycle LoansTake on the open road with two wheels and low rates for all types of motorcycles.
- Loan ProtectionProtect your assets. Insure your loans. Ease your mind.
- Boat & RV
- Home Equity Loans
- Personal Loans
- Skip a Payment
- Calculate a Payment
- Rates
- Auto
- Services
- Rates
- Calculators
- Skip a Payment
- Ways to Manage Your Money
- Learn
- Level UpBoost your financial knowledge through our free interactive online courses.
- Webinars & Education Register for upcoming educational events and access on-demand webinars.
- Blog Explore helpful articles featuring financial tips, how-tos, news, and more.
- Financial Coaching Whether you need help with monthly budgeting plans or debt repayment strategies, our partners will put you on the winning path.
- Credit Checkup Discover opportunities to improve your credit score and grow your money management skills.
- Protect
- Invest
- Retirement Planning & Investments Discover savings and investment options to plan for your golden years.
- Savings Get financially fit by adding power to your portfolio.
- Education Funding Explore different options to finance college tuition and more.
- Financial Advisor Discuss IRAs, mutual funds, life insurance, and more with an on-site Wealth Management Advisor.
- Checking & Savings
- Business
- About Arbor

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 | 1.49% |
37 - 48 months | 2.24% | |
49 - 60 months | 2.99% | |
61 - 72 months (Call for details) | 3.49% | |
73 - 84 months (Call for details) | 3.99% | |
85 - 96 Months (Call for details)** | 4.99% | |
2020-2015 (up to 100% LTV Max) | Up to 36 months | 1.49% |
37 - 48 months | 2.24% | |
49 - 60 months | 2.99% | |
61 - 72 months (Call for details) | 3.49% | |
73 - 84 months (Call for details) | 4.24% | |
85 - 96 months (Call for details)** | 4.99% | |
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.
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:
- Determining your financial goals
- Shopping around for the right type of auto loan
- Talking to a loan specialist for the best interest rates
- Securing your interest rate
- 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.
Helpful Articles
Knowledge is power, and we want to make sure you feel confident in making decisions about your auto loan. These informative articles can help fuel your journey!