This Offer Has Expired

¹About this pre-qualified offer: Pre-qualification does not guarantee you will receive financing or any financing terms, which are subject to change based on our evaluation of the credit application and any required documents. You have been pre-qualified for a minimum of $10,000 for the purchase or refinance of a new, certified pre-owned, or used 2013-2022 model-year vehicle; the actual amount to be based on current income, vehicle value, amount of loan, creditworthiness, and other factors. Vehicle must be for personal use and cannot be in a business name. Your actual loan amount will be limited based on the value of the specific vehicle that you are refinancing. For the vehicle you want to refinance, if used (existing title) the value is based on JD Power (Formerly NADA) Retail value. If new value will be based off MSRP. The amount of this limitation may vary and is referred to as the "LTV" (loan-to-value) limit. For example, if the value of the vehicle that you are refinancing is $20,000, and your LTV limit is 110%, then your refinanced loan amount can be up to $20,000 x 110% = $22,000. This offer is good through March 23, 2022 and may not be transferred to another person. Offer not valid for an existing Citadel auto loan. To pre-qualify for refinancing, you must be in good standing (not over limit, past due, or charged off) on any other Citadel Federal Credit Union account. You must be in good standing on your mortgage and auto loan payments. You must be at least 18 years of age to apply. Applicants must have a valid physical street address within the contiguous United States at the time of application. P.O. Box addresses are not eligible for refinancing. An individual who does not have a physical street address may use an Army Post Office address or a Fleet Post Office address. We will only refinance standard auto loans with only one lienholder on the vehicle title. We do not refinance personal loans that use a vehicle title as collateral (also known as title loans), or auto loans that have more than one lienholder on the title. You must refinance the full payoff amount of your existing auto loan subject to our minimum and maximum loan amounts. We do not offer cash back refinancing or lease buyouts. Citadel Federal Credit Union does not refinance the following vehicles: Vehicle makes no longer in production (such as Suzuki or Isuzu), commercial vehicles, recreational vehicles (RVs), ATVs, boats, camper vans, motor homes, vehicles with a history of chronic malfunctions and/or manufacturer or dealer buyback (alternatively referred to as a lemon) vehicles, salvage title vehicles, branded title vehicles, vehicles without a Vehicle Identification Number (VIN) or title issued.

²Annual Percentage Rates (APRs) shown are accurate as of and may change without notice. APRs may range from 2.99% and will not exceed 18%. Your actual APR will be based on a review of your credit application, creditworthiness, collateral, vehicle model year, and loan term. Not all members will qualify for the lowest rate and payment may not be lower for every member. All loans are subject to credit approval. Up to 120% financing on vehicle model years 2015 and newer are available; not all borrowers will qualify for full percentage of advance. A lien recording fee applies and will vary by state.

³To qualify for the cash bonus the loan amount minimum is $10,000. The cash bonus amount is 1.5% of the total loan amount loan up to $300. Loan must be closed at an existing Citadel branch and cannot be financed through an automobile dealer. Refinancing of existing Citadel auto loans do not qualify. The bonus deposit will be deposited into your Citadel savings account within 60 business days of the loan funding. Loan must be open and in good standing at the time of incentive processing. Any other account with Citadel Federal Credit Union must be in good standing. Cash bonus is subject to all applicable taxes and are the responsibility of the member. The value of this bonus will be reported to the IRS and the recipient is responsible for any federal, state, or local taxes on this offer.

⁴First payment may be deferred for up to 60 days from loan date for credit-qualified individuals. Your loan will accrue interest during that time. Payments can be made during deferral period. Some restrictions apply. Offers may be modified or withdrawn at any time. Ask for full details.

⁵Up to 120% financing on vehicle model years 2015 and newer are available; not all borrowers will qualify for full percentage of advance. A lien recording fee applies and will vary by state.

 Additional Terms Apply