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Refinance Your Car

Rates as low as6.99% APR1

Happy couple in a car with a sunburst

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, auto loan refinancing may be right for you.

Get Pre-Qualified for an Auto Refinance Loan

Get pre-qualified for an auto refinance loan instantly with just a few questions. You’ll immediately see what rate you may be eligible for, without a hit to your credit score. It’s as easy as shopping online, or finding a movie to stream!

Making Lending Convenient

  • After entering your mobile number, fields in the application are prepopulated making it quick and easy
  • See your estimated rate and payments without impacting your credit score
  • Know upfront what you can save by refinancing loans from other financial institutions
car icon

Used Auto Loan Rates

Loans are subject to credit approval.
(1) The estimated monthly payment on a $20,000, 60-month loan at 6.99% APR is $396.
(2) Advertised Annual Percentage Rate (APR) may change without notice. Loan rates are based on credit history, term, and loan-to-value. Rate ranges above represent the lowest to highest rate available for the model year and term under normal underwriting guidelines. Certain rate discounts and premiums may apply based on the specific factors of each application. Possible 0.25% rate discount is available, depending on your credit score, for loans with a loan-to-value ratio under 80%. Total maximum rate discount is 0.25%. All used auto loan rates including promotional rates and discounts are subject to a 6.74% APR minimum for 2017-2022 models, and 8.99% minimum for 2014-2016 models.


Auto Refinance Loan Calculators


What should I expect when refinancing your auto?

Refinancing your car 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 your car, 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 car loan.

Applying for Refinancing

  1. Our quick, convenient digital application makes applying for auto 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 an auto refinancing 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 auto 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 auto 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 refinance your car, your insurance may be affected. In some cases, your insurance premium may decrease. Auto loan refinancing may save you money multiple ways.

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.

The whole team did a fantastic job getting my car refinanced and at a great rate. They did this in 30 minutes at 4 pm, on President's day when all other banks are not open.
Every person I've talked with are very friendly, great personality and helpful. They know our names and best of all, want to help my wife and I with anything.
Fantastic costumer service. Everyone was helpful and walked us through the process of getting our car refinanced. We recommend Truliant.
The loan officer was very helpful with my auto loan. He even stayed after closing hours as we waited for my approval to come through.
I had a fantastic experience! They helped me refinance an auto loan in record time! The staff was nice and reached out to keep me posted about the loan. Great customer service!
Sedan with example repair costs

Mechanical Repair Coverage

Mechanical Repair Coverage3 can save you from expensive repair costs4 when your car breaks down. Call us at 866-234-7633 or stop by a branch to discuss the details and see which of our three plans is right for you.
(1) APR = Annual Percentage Rate. Rates and terms are subject to change. Loans are subject to credit approval. Certain rate discounts and premiums may apply based on the specific factors of each application. Possible 0.25% rate discount is available, depending on your credit score, for loans with a loan-to-value ratio under 80%. Total maximum rate discount is 0.25%. All auto loan rates, including promotional rates and discounts are subject to a 6.74% minimum APR. 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.
(3) Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in NH, where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1- 800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. The purchase of Mechanical Repair Coverage is optional. This document provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured of like kind and quality.
(4) Actual costs may vary by vehicle year, make, and model. Prices are based on actual claim experience of Consumer Program Administrators, Inc., and its affiliated companies’ customers as of September 2022. Your experience may be different.

Credit Union Auto Buying Service (CUABS) powered by TrueBuy is an independent NC-licensed automobile dealer not owned or operated by Truliant.
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.