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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.
Ready to speak with a representative about refinancing your auto loan?Schedule Appointment
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
Frequently Asked Questions
Still have questions? Visit our help center.
*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Offers may be modified or withdrawn at any time.