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Refinance Auto Loan

Auto Loan
Refinance your auto loan

Lower your car payment!

With Civic, you could save hundreds each month

Streamline
Streamlined

Application process is quick and easy

Affordable
Afford

Rates as low as1

7.74% APR
Finance
Finance

Terms up to 84 months1
(7 years) on dealer purchases

Make your car loan affordable

A car loan refinance could lower your payments and help you reset your debt. It’s an opportunity to consolidate other loans at one low rate to help simplify your loan payments and save money. Stick with the car payment plan or pay off your loan whenever works for you – there are no pre-payment penalties. Why pay more than you have to? And if you need extra cash now, consider the cash-out refinance option.

Seeing is believing. Use the calculator below to see different loan payment scenarios based on the information you enter. Lower your car loan payments and reset your debt. Get started today!

 

Auto Loan
Refinance today

You deserve a lower rate

Ready for a lower rate? Switching to Civic is easy.

Make it affordable

Your low rate refinance offer could reduce your car loan payment and make it more affordable. Why pay more than you have to?

apply

Spend better

Your saved money can be used for your needs, not car payments. Do more things that you enjoy or add to your household budget.

apply

Go digital

You can get started in the Civic app2 or online from a desktop or mobile device. Or, contact our teams by phone. Transferring your loan is easy.

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Rates

USED AND NEW AUTO LOAN

Loan Type Term APR Vehicle Age Mileage
New Auto Up to 72 months As low as 7.74% Up to 1 year Up to 10,000 miles
New Auto 73-96 months As low as 7.99% Up to 1 year Up to 10,000 miles
Used Auto Up to 60 months As low as 7.74% Up to 14 years Up to 120,000 miles
Used Auto 61-72 months As low as 7.74% Up to 10 years Up to 120,000 miles
Used Auto 73-84 months As low as 7.99% Up to 10 years Up to 120,000 miles

Effective Date: 06/26/2024

$0/month*
$0

*The Auto Loan Calculator is provided for informational purposes only. Taxes and charges are not included in your estimated amount. Final finance amount may be different.

Simply see your savings

Let’s make sure your loan is just right. Change the information here to test out a few payment scenarios and see your potential savings. Adjust the options and hit ‘calculate.’ It’s that simple.

When you are ready to get started, just hit ‘apply.’ Our teams will work with you to make any changes to your application.

1

Cost of car

Enter your estimated purchase price or loan refinance amount 

2

Credit score

Select your estimated credit quality

3

Loan term

Enter your desired number of monthly payments 

You know that details matter. [And you are in good company.]

Here are a few frequently asked questions:

View All FAQs

1 APR = Annual Percentage Rate. Subject to approval. Rates and credit limit based on member’s credit history. Borrowers must be at least 18 years old and live in NC, SC, GA or VA. Vehicles with branded (flooded, salvaged or reconstructed) titles or motorcycles, boats, RVs and commercial vehicles are not acceptable collateral. A new vehicle is defined as less than 1 year old with maximum of 10,000 miles at loan origination; vehicle value based on MSRP. Eligible used vehicles are defined as 14 years or less with maximum of 120,000 miles at loan origination; vehicle value determined using J.D. Power data. Minimum loan is $1,000; maximum loan is $100,000. Maximum term for vehicles 10 to 14 years is 60 months; for vehicles 10 years and less, maximum refinance term is 84 months. Exceptions for vehicles older than 14 years are at the discretion of Civic. Collision and comprehensive insurance required for duration of loan. Payment example, excluding insurance: New or used auto payment example: For a $25,000 loan at 7.99% APR, 84 monthly payments of $390.

2 Message and data rates may apply.