Refinance With Confidence

Congratulations! You’re pre-qualified for an auto loan refinance¹ with Citadel Credit Union. Trade in your rate, not your ride and lower your monthly payment with APRs as low as 5.74%! Get started today!

Benefits of Refinancing Your Auto Loan With Citadel:

• Skip-a-Pay – With Citadel’s Skip-a-Pay, you can skip your loan payment for the following month.
• Defer your payment up to 60 days**(for credit-qualified individuals)
• Lower monthly payments
• Guaranteed Asset Protection (GAP) Coverage³ available
• Payment Protection⁴ available
• Easily manage your loan in Online & Mobile Banking

Don't miss out! Your pre-qualified offer ends May 22, 2026.

Offers are subject to credit approval. APR = Annual Percentage Rate. Read Full Disclosures.

¹ About this pre-qualified offer: Pre-qualification does not guarantee you will receive financing or any financing terms, which are subject to change based on our evaluation of the credit application and any required documents. You have been pre-qualified for a minimum of $10,000 for the purchase or refinance of a new, certified pre-owned, or used 2021-2026 model-year vehicle; the actual amount to be based on current income, vehicle value, amount of loan, creditworthiness, and other factors. Vehicle must be for personal use and cannot be in a business name. Your actual loan amount will be limited based on the value of the specific vehicle that you are refinancing. For the vehicle you want to refinance, if used (existing title) the value is based on JD Power (Formerly NADA) Retail value. If new value will be based off MSRP. The amount of this limitation may vary and is referred to as the "LTV" (loan-to-value) limit. For example, if the value of the vehicle that you are refinancing is $20,000, and your LTV limit is 110%, then your refinanced loan amount can be up to $20,000 x 110% = $22,000.

This offer is good through May 22, 2026 and may not be transferred to another person. Offer not valid for an existing Citadel auto loan.

**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.

Required Documentation varies, but you may be asked to provide some or all of what is listed below:

• Pay stubs or bank statements to verify your income or employment
• Insurance, lease agreement or mortgage statement to verify your residence
• Vehicle title
• Power of attorney or title authorization to allow us to file the lien in favor of Citadel Federal Credit Union

To pre-qualify for financing, you must be in good standing (not over limit, past due, or charged off) on any other Citadel Federal Credit Union account. You must be in good standing on your mortgage and auto loan payments. You must be at least 18 years of age to apply. Applicants must have a valid physical street address within the contiguous United States at the time of application. P.O. Box addresses are not eligible for refinancing. An individual who does not have a physical street address may use an Army Post Office address or a Fleet Post Office address. You must have a verifiable minimum monthly income of at least $3000.

We will only finance standard auto loans with only one lienholder on the vehicle title. We do not finance personal loans that use a vehicle title as collateral (also known as title loans), or auto loans that have more than one lienholder on the title. If refinancing an existing auto loan from another institution, you must refinance the full payoff amount of your existing auto loan subject to our minimum and maximum loan amounts. We do not offer cash back refinancing or lease buyouts. Citadel Credit Union does not finance the following vehicles: Vehicle makes no longer in production (such as Suzuki or Isuzu), commercial vehicles, recreational vehicles (RVs), ATVs, boats, camper vans, motor homes, vehicles with a history of chronic malfunctions and/or manufacturer or dealer buyback (alternatively referred to as a lemon) vehicles, salvage title vehicles, branded title vehicles, vehicles without a Vehicle Identification Number (VIN) or title issued.

² Annual Percentage Rates (APRs) shown are accurate as of 2/15/2026 and may change without notice. Your actual APR will be based on a review of your credit application, creditworthiness, collateral, vehicle model year, and loan term. Not all members will qualify for the lowest rate and payment may not be lower for every member. All loans are subject to credit approval. Up to 120% financing on vehicle model years 2021 and newer are available; not all borrowers will qualify for full percentage of advance. A lien recording fee applies and will vary by state.

³ Guaranteed Asset Protection (GAP) Coverage is available through a third party. Learn more atcitadelbanking.com/borrow/auto-loans-and-refinancing/gap-coverage.

⁴ PAYMENT PROTECTION coverage can protect you from defaulting on a loan in the event you are unable to pay as a result of disability, death, or involuntary unemployment. Learn more at citadelbanking.com/borrow/Payment-Protection