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Refinance Your Car

Rates as low as2.99% APR1

couple dancing in a car

Truliant makes auto loans fast and easy.

  • Up to 100% financing
  • 90-day deferred payment2
  • No mileage cap on used car loans
  • Convenient digital application

Refinancing your auto loan is a great way to save money every month if you can get more favorable terms.

Save time and money by refinancing your auto loan with Truliant.

If your credit score has improved significantly, or you plan on keeping your vehicle and don’t mind adding additional months on the back end, refinancing may be right for you.

  • Great low rates
  • Flexible terms
  • Fast approvals

What should I expect when refinancing your auto?

Refinancing your vehicle loan can help you to save not only on your monthly payment, but it could help you to save money for the duration of your new loan. At Truliant, we can help you to lock in great rates and a payment that works for you.

Check for Prepayment Penalties

Before applying to refinance, make sure that your current loan doesn’t charge a prepayment penalty. This is a fee that will have to be paid if you pay off a current loan before the term is up. While many loans these days don’t charge prepayment penalties – Truliant doesn’t charge our members for paying off loans early – you’ll want to confirm before refinancing your auto loan.

Applying for Refinancing

  1. Our quick, convenient digital application makes applying for refinancing available virtually anywhere.

  2. Once you apply, a personal Digital Guidance Specialist will walk you through the rest of the process so if you ever have a question, we're here for you.

  3. Within two business days, we'll contact you about your application's decisioning. If you're approved, we'll also discuss your terms and payment information.

  4. Funds are ready when you are, so you can start saving on your car payment right away.

When should I refinance my auto loan?

The short answer is that you can apply for refinancing anytime you want. However, there are some general guidelines to help you get the best terms and rate. You’ll want to wait about three months after your initial loan just to make sure the title has completely transferred properly. This option is best if you have stellar credit. If you don’t, wait at least six months and build a solid payment history. If it’s your first auto loan, wait even longer to demonstrate good financial habits.

If you’re thinking about refinancing, you’re probably most interested in a lower monthly payment – and who isn’t? However, lower payments can sometimes cost you more over the life of your loan. Before you apply to refinance your current auto loan, here are some things to consider to help determine if it’s right for you. And if you have questions, we’re here to help.


If you can get a significantly lower interest rate now versus when you purchased the vehicle, you may want to consider refinancing.

Your Credit

If your credit has improved since you secured a loan for your current vehicle, you should consider applying and seeing if you can get a lower interest rate.

Term Length

If your income has been impacted and you need lower payments, considering the term length will be less important than that monthly payment. However, if you’re refinancing because you can get a better rate, make sure to refinance for the time left (or less) on your current loan – otherwise you may pay more in interest over the life of the loan.

Will your auto insurance be affected by refinancing?

When you're refinancing your vehicle, your insurance may be affected. In some cases, your insurance premium may decrease, saving you even more.

Insurance premiums are calculated using a variety of factors including the car's value and coverage on the vehicle. When you refinance, the value of the car may change which, in turn, can help to decrease your insurance premium. If your car's value is under a certain threshold established by your individual insurance carrier, you may also be able to reduce the coverage on your vehicle which can also decrease your insurance premium.

Please contact your insurance provider to determine the coverage amount that is right for you and your vehicle.

couple reviewing auto loan documents

How to Pay Off an Auto Loan Early

Who wouldn't want to pay off their auto loan early? While refinancing can help with paying down your loan, we have gathered other tips to consider before paying off your existing auto loan.


How much will my vehicle payment be?

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(1) APR = Annual Percentage Rate. Rates and terms are subject to change. Loans are subject to credit approval. Floor rate on auto loans is 2.74% APR, and includes discounts available when purchasing the vehicle through the Credit Union Auto Buying Service (CUABS), and depending on your credit score, for loans with a loan-to-value ratio under 80%. Contact us for complete details. Additional terms apply for refinancing existing Truliant auto loans.
(2) Qualified borrowers may defer payments up to 90 days after loan signing. Interest will accrue from the date of the loan until payments begin. Participating in this program results in up to a 90-day extension of the loan, maximum term 84-months. Cannot be combined with other offers.

Provision of the calculator on this page is not an offer of credit. Its use in no way guarantees that credit will be granted. This calculator is solely for informational purposes and provides reasonably accurate estimates; the calculations are not intended to be relied upon as actual loan computations.