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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%. Citadel has competitive rates and flexibility on payment options.

Start saving today with Citadel's Auto Refinance options.

Auto Refinance Rates

Calculate Your Monthly Payment

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.
  • 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.

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Best For...
Flexibility on payment options
Lowering monthly payments & rates
Payment protection
Receiving instant approval

Frequently Asked Questions

Does Citadel offer an Auto Refinance option for customers?
Yes, Citadel offers a refinance options for customers. Customers may refinance their auto loan with us on our website, in a branch, over the phone or WebChat.
 
What are Citadel's auto loan refinancing rates?
Refinancing rates depend on credit score, year of the vehicle and term. To learn more about Citadel's Auto Refinance rates visit the Auto Refinance section our the website under 'rates'.
 
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.
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.

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 (APR’s) shown are accurate as of and may change without notice. Rates range from 3.59% 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 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.


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.