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

Citadel Auto Refinance

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

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Get lower rates and monthly payments by applying today!

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Low Rates

Citadel auto loan rates consistently outperform the Philadelphia Metro average.

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Protection

Make the most of your investment by protecting your vehicle (and wallet) in case the unexpected occurs.

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Auto Refinance Rates

AS LOW AS

3.19%APR

Used Auto Loan

Model year 2017 -2019

Up to 63 Months

AS LOW AS

3.69%APR

Used Auto Loan

Model Years 2017-2019

Up to 75 Months

AS LOW AS

4.79%APR

Used Auto Loan

Model Years 2017-2019

Up to 84 Months

AS LOW AS

3.29%APR

Used Auto Loan

Model Years 2013-2016

up to 63 Months

AS LOW AS

3.94%APR

Used Auto Loan

Model Years 2013-2016

Up To 75 Months

AS LOW AS

5.14%APR

Used Auto Loan

Model Year 2016 Only

Up to 84 Months

AS LOW AS

4.29%APR

Used Auto Loan

Model Years 2011-2012

Up to 60 Months

AS LOW AS

8.79%APR

Used Auto Loan

Model Years 2006-2010

Up to 60 Months

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.

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See How Much You Could Save On Your Auto Loan!

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Best For...

Flexibility on payment options

Lowering monthly payments & rates

Payment protection

Receiving instant approval

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Email Us

Visit Us

Call Us
(800) 666-0191

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 www.myloaninsurance.com.

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 TitlesAdministration@citadelbanking.com 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 TitlesAdministration@citadelbanking.com.

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.

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