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Refinance Auto Loan

Auto Loan
Refinance your auto loan

Lower your car payment!

Save $100s each month on new and used cars.


Applications processed quick and easy


Rates as low as*

4.99% APR

Terms up to 96 months (8 years)^

Make Your Car Loan Affordable

A car loan refinance will 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 will 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 online from a desktop or mobile device, or contact our teams by phone. Transferring your loan is easy.


*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 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 



Loan Type Term APR Vehicle Age Mileage
New Auto Up to 72 months As low as 4.99% Up to 1 year Up to 10,000 miles
New Auto 73-96 months As low as 5.24% Up to 1 year Up to 10,000 miles
Used Auto Up to 72 months As low as 4.99% Up to 14 years Up to 120,000 miles
Used Auto 73-84 months As low as 5.24% Up to 10 years Up to 120,000 miles
You know that details matter. [And you are in good company.]

Here are a few frequently asked questions:

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* APR = Annual Percentage Rate. Subject to approval. Rates and credit limit are evaluated based on member’s credit history. Borrowers must be at least 18 years old and live in NC, SC, GA or VA. As low as rate indicates .25% APR discount for using auto debit from a Civic deposit account.

^ A new vehicle is defined as upcoming, current or prior year model with less than 10,000 miles; vehicle value based on MSRP. A used vehicle is defined as being 14 years or less with a maximum of 120,000 miles; vehicle value is determined using data from the National Automobile Dealers Association (NADA). For new vehicles, minimum loan amount is $50,000 for term of 96 months. Maximum loan amount is $100,000. New auto loan payment example: for a $25,000 loan at 5.24% APR; 96 monthly payments of $319. For used vehicles, maximum loan amount is $100,000. Used auto loan payment example: for a $25,000 loan at 5.24% APR; 84 monthly payments of $356. Collision and comprehensive insurance are required for the duration of the loan.

† Maximum refinance term for vehicles older than 10 years is 60 months.

‡ Standard message and data rates apply. Please check with your carrier for details.