Auto Refinancing with Citadel is easy! Rates as Low as 3.59%APR*

You're on your way to saving money on your auto loan.

Lower your Auto Payments with Citadel

Refinance an existing auto loan with a Citadel auto loan that can offer you lower monthly payments and more flexibility. There are many great reasons to refinance your existing auto loan with Citadel today:

  • Get 1% cash back on the total amount financed - up to $600*
  • Defer your payment* up to 60 days (for credit-qualified individuals)
  • Low Rates - Citadel auto loan rates consistently outperform the Philadelphia Metro average1
  • Lower monthly payments
  • Extended Vehicle Warranty and GAP Coverage - Get a free quote today on an Extended Vehicle Warranty and GAP Coverage. Learn more.
  • Payment Protection – Protect your loan from the unexpected. Learn more.
  • Instant Approval
  • Financing up to 120%*

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See how much you could save on your auto loan!

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So Many Great Reasons to Refinance with Citadel

  • calendar reasonsDefer your payments for up to 60 days
  • paymentLower payments
  • financingFinancing up to 120%
  • approvalInstant approval
  • peace of mindPeace of mind
  • flexibilityFlexibility

*Agreements and Disclosures

View *Agreements and Disclosures

About this pre-approved offer: You have been pre-approved for a minimum of $5,000 for the refinance of a new or used 2017-2020 model year vehicle; the actual amount to be based on current income, vehicle value, and other factors. In addition, get 1% cash back on the total amount financed - up to $600*. Loan-to-value (LTV) is calculated by determining vehicle value using N.A.D.A® Retail for pre-owned vehicles. This offer is good through June 27, 2019 and may not be transferred to another person. Offer not valid for an existing Citadel auto loan.


Annual percentage rates (APR’s) shown were accurate as of and may change without notice. APR’s may range from 3.59% and will not exceed 18%. 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.


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. Offer available for the refinancing of non-Citadel auto loans only and ends June 27, 2019.

Annual percentage rate (APR) shown is effective as of and may change without notice. Actual rates and APRs depend on credit history, loan term, and our underwriting criteria. All loans subject to credit approval.


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.