Refinance Auto Loan
Lower your car payment!
With Civic, you could save hundreds each month
Application process is quick and easy
Rates as low as1
8.25% APR
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!
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?
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.
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.
Rates
USED AND NEW AUTO LOAN
| Loan Type | Term | APR | Vehicle Age | Mileage |
|---|---|---|---|---|
| New Auto | Up to 60 months | As low as 6.50% | Up to 1 year | Up to 10,000 miles |
| New Auto | 61-96 months | As low as 6.75% | Up to 1 year | Up to 10,000 miles |
| Used Auto | Up to 60 months | As low as 8.25% | Up to 14 years | Up to 120,000 miles |
| Used Auto | 61-72 months | As low as 8.50% | Up to 10 years | Up to 120,000 miles |
| Used Auto | 73-84 months | As low as 8.75% | Up to 10 years | Up to 120,000 miles |
Effective Date: 11/14/2024
*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.
Cost of car
Enter your estimated purchase price or loan refinance amount
Credit score
Select your estimated credit quality
Loan term
Enter your desired number of monthly payments
Here are a few frequently asked questions:
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, VA, or TN. 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: For a $35,000 loan at 8.25% APR, 60 monthly payments of $714.
2 Message and data rates may apply.