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

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.

Not sure where to start? We'll put you in gear! Schedule an appointment, connect with us virtually through Video Connect, call us at 800-666-0191, or visit any branch.

Want to connect with an expert now?

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Auto Refinance Rates

*Offers are subject to credit approval. APR = Annual Percentage Rate. Read Full Disclosures.

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Additional Features

  • Skip-a-Pay – With Citadel’s Skip-a-Pay, you can skip your loan payment for the following month. 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.

Ready to speak with a representative about refinancing your auto loan?

Schedule Appointment
Best For...
Flexibility on payment options
Lowering monthly payments & rates
Payment protection
Receiving instant approval
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Chat Face-to-Face With Citadel Video Connect

Citadel's Video Specialists are just a few clicks away with Video Connect. Skip the trip to the branch office and video chat safely and securely from your preferred location. Learn More.

On your laptop, desktop, or mobile device, our Video Specialists can help you complete almost any banking-related task:

✔ Open a new account
✔ Add a product to a current account
✔ Apply for a loan
✔ Talk to a business banking expert

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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
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.

Still have questions? Visit our help center.

*Auto Refinance Disclosures

View *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 4.44% 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.