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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.
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Auto Refinance Rates
*Offers are subject to credit approval. APR = Annual Percentage Rate. Read Full Disclosures.
- 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.
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Introducing Citadel Video Connect
We've introduced a new way to bank, making it easier than ever to chat face-to-face with a local Citadel team member. The best part? You can connect with us safely and securely from anywhere — with just a few clicks on your laptop, desktop computer, or your mobile device. Learn more.
Frequently Asked Questions
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*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Offers may be modified or withdrawn at any time.