Start Saving More Today

Looking to lower your monthly payment? Refinance your auto or motorcycle loan with Citadel.

Auto Refinance

With Citadel, auto loan refinancing lowers your monthly payment. Citadel offers competitive rates and flexibility on payment options.

Auto Refinance Rates

Calculate Your Monthly Payment

Additional Features

  • Financing up to 120%*
  • Lowered monthly payments
  • Extended Vehicle Warranty and GAP Insurance - Get a free quote today on an Extended Vehicle Warranty and GAP insurance. Learn more.
  • Payment Protection – Protect your loan from the unexpected. Learn more.

See how much you could save on your auto loan!

Apply Now
Best For...
Flexibility on payment options
Lowering monthly payments & rates
Payment protection
Receiving instant approval

Frequently Asked Questions

What do I do if I receive a letter regarding my auto insurance?

If you have received a letter regarding your auto loan and your insurance coverage, Citadel most likely needs proof of auto insurance or proof of adequate insurance coverage. In the event that we do not get confirmed coverage, Citadel will force-place insurance on the vehicle. To enter your insurance information, you can visit

How do I make a payment to a Citadel loan?

There are several ways to make a payment to your Citadel Loan. Visit our Payments page for full details.

 Loan Payment Options    
 Automatic Recurring or One-Time Payments Pay from another Financial Intuition  Set up Auto Pay with Citadel
 Debit Card or eCheck Payment Debit Card or eCheck Options Pay Now!
 Online and Mobile Banking Payment Online and Mobile Banking Details Enroll Now!
 In Person Payments Find a Citadel Branch   
 Pay by Mail

Mail Payment Address:
P.O. Box 650
Exton, PA 19341


Who can I contact with Auto Title questions?

For any auto title questions, please feel free to contact us at or call us at (800) 666-0191.

When will I receive the title once I pay off my auto loan?

You will receive your title within 30 days of paying off your loan. For any auto title questions, please contact us at

Still have questions? Visit our help center.

*Auto Refinance Disclosures

View *Auto Refinance Disclosures
*Rates and APRs depend on credit history and loan term and our underwriting criteria. Rates are accurate as of and may be withdrawn or subject to change without notice. All loans subject to credit approval. First payment may be deferred for up to 60 days from loan date. Your loan will accrue interest during that time. Some restrictions apply.