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Overview
Don’t Stick With a Bad Loan
Have a car payment you don’t love? Get a better rate, better service, and a cash back bonus when you refinance with us. You’ll get the same options of terms and great service that new loans receive.
- Up to 100% of your loan from a different institution
- Cash back incentive for switching
- Better rates
- Better service
- A variety of terms that fit your budget
Step 1
Estimate how low your payment could be
Test Drive Your Payment
Estimate Your Monthly PaymentHow much is the vehicle you want?$How's your credit?How many months do you want the loan for?Step 2
Get pre-approved
Getting pre-approved for a loan saves time and energy so you’ll know exactly how much you’re able to spend.
Step 3
You might also be interested in…
Let's get a better loan
Apply online using the "New/Used Vehicles" option and let us know in the comments that you're refinancing a loan from a different institution.
Pre-Approve Online -
Rates
Rates Effective as of: 01-18-2025
New and Used Vehicle Loan Rates
Term APR Up to 36 Months As Low As 2.49% 37-60 Months As Low As 2.49% 61-72 Months As Low As 2.99% 73-84 Months As Low As 3.74% 85-96 Months As Low As 4.49% Up to 120% financing available up to 72 months term. 100% financing on extended terms based on collateral and additional requirements. 72 month financing at 3.99% A.P.R equals $15.64 per $1000.00 financed.
Examples: New & Used Vehicles
APR = Annual Percentage Rate. Rates effective as on September 26, 2018. To apply, view our loans page.
Refinance Your Vehicle With Centricity
"Our Lending team has years of experience that can help the applicant by giving them options to consider when making a request. With that kind of knowledge, we definitely have what it takes to give members ideal solutions to pair them with the right loan."
- Shawn, Director of Consumer Lending
