Refinance Auto Loan
Lower your car payment!
With Civic FCU, save $100s each month on new and used cars
Applications processed quick and easy
Rates as low as1
7.74% APR
Terms up to 96 months (8 years)2
Make Your Car Loan Affordable
A car loan refinance3 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!
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 device4, 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
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 72 months | As low as 7.74% | Up to 14 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 |
Here are a few frequently asked questions:
Disclaimer
1 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. 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 upcoming, current or prior year mode with less than 10,000 miles; vehicle value based on MSRP. A used vehicle is defined as 14 years or less with a maximum of 120,000 miles; vehicle value determined using J.D. Power data. For new vehicles, minimum loan amount is $50,000 for term of 96 months. Maximum loan amount is $100,000. Maximum refinance term for vehicles older than 10 years is 60 months. Collision and comprehensive insurance are required for the duration of the loan. New or used auto payment example: For a $25,000 loan at 7.99% APR, 84 monthly payments of $390.
2 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 J.D. Power data. For new vehicles, minimum loan amount is $50,000 for term of 96 months. Maximum loan amount is $100,000. Maximum refinance term for vehicles older than 10 years is 60 months. Collision and comprehensive insurance are required for the duration of the loan. New or used auto payment example: For a $25,000 loan at 7.99% APR, 84 monthly payments of $390.
3 Maximum refinance term for vehicles older than 10 years is 60 months.
4 Message and data rates may apply.