Start Saving More Today
With Citadel, refinancing auto loans comes with many benefits. Your Auto Refinance can lower your monthly payment and we offer financing up to 120%. Citadel has competitive rates and flexibility on payment options.
Start saving today with Citadel's Auto Refinance options.
Auto Refinance Rates
- 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.
- Get 1% cash back on the total amount financed - up to $600*
- Defer your payment* up to 60 days (for credit-qualified individuals)
- 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.
Start saving today with Citadel's Auto Refinance options.Apply Now
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Frequently Asked Questions
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*Auto Refinance Disclosures
This offer is good through June 27, 2019 and may not be transferred to another person. Offer not valid for an existing Citadel auto loan.
Annual percentage rates (APR’s) shown were accurate as of and may change without notice. APR’s may range from 3.59% and will not exceed 18%. 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 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 N.A.D.A® Retail for pre-owned vehicles.
Cash back is paid based on 1% of the total loan amount ($5,000 loan minimum). The cash back will be deposited into your Citadel savings account within seven business days of the loan funding. Maximum cash back amount is $600. Cash back amounts are subject to all applicable taxes and are the responsibility of the member. Offer available for the refinancing of non-Citadel auto loans only and ends June 27, 2019.
Annual percentage rate (APR) shown is effective as of and may change without notice. Actual rates and APRs depend on credit history, loan term, and our underwriting criteria. All loans subject to credit approval.
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.