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Auto Refinance
With Citadel, refinancing auto loans comes with many benefits. Your Auto Refinance can lower your monthly payment and we offer financing up to 120% of vehicle value. Citadel has competitive rates and flexibility on payment options.
Start saving today with Citadel's Auto Refinance options.
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Get lower rates and monthly payments by applying today!
Low Rates
Citadel auto loan rates consistently outperform the Philadelphia Metro average.
Protection
Make the most of your investment by protecting your vehicle (and wallet) in case the unexpected occurs.
Auto Refinance Rates
*Offers are subject to credit approval. APR = Annual Percentage Rate. Read Full Disclosures.
Additional Features
- Skip-a-Pay: With Citadel’s Skip-a-Pay, you can skip your loan payment for the next month it’s due. Log in to Online Banking and find out if you have an eligible loan today.
- Defer your payment up to 60 days** (for credit-qualified individuals)
- Financing up to 120% of vehicle value*
- 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.
Start saving today with Citadel's Auto Refinance options.
Apply Now
Introducing Citadel Video Connect
Chat face-to-face with a Citadel Video Specialist in a secure environment from the comfort of home on your laptop, desktop computer, or mobile device using the Citadel Video Connect app. Please be sure to have your photo ID ready prior to beginning the call. Choose Video Connect above, or learn more about our Video Banking options.
Frequently Asked Questions
Still have questions? Visit our help center.
*Auto Refinance Disclosures
*Offer not valid for an existing Citadel auto loan. Annual percentage rates (APRs) shown are accurate as of and may change without notice. Rates range from 2.99% to 18.00% APR, based on creditworthiness. Your actual APR will be based on a review of your credit application, vehicle model year, and loan term. All loans are subject to credit approval. Up to 120% financing on vehicle value for model years 2012 and newer. A lien recording fee applies and will vary by state. Loan-to-value (LTV) is calculated by determining vehicle value using J.D.Power for pre-owned vehicles.
**First payment may be deferred for up to 60 days from loan date for credit qualified individuals. Your loan will accrue interest during that time. Some restrictions apply.
Offers may be modified or withdrawn at any time.
