Refinance Your Auto Loan

Lower your monthly car payment today.

Lock in a Lower Monthly Payment

When you refinance your auto loan with Citadel you'll enjoy a variety of great benefits such as flexible payment options, competitive rates, and more. Make your monthly vehicle payments fit your budget today.

Additional Benefits of Refinancing Your Auto Loan With Citadel:

There are plenty of ways to refinance: Schedule an appointment, connect with us virtually through Video Connect, call us at 800-666-0191, or visit any branch.

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Auto Refinance Rates

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

Why Choose Citadel?

forbes best-in-state credit union

Citadel is a not-for-profit credit union that exists to serve the people, businesses, and neighborhoods of Greater Philadelphia, so they can prosper. We provide our members with all things banking, plus the educational resources and guidance to build and maintain financial security.

Here’s why you should join us:

single checkmark Better rates & low (or no!) fees
single checkmark No tricks or hidden selling tactics
single checkmark Personalized banking experiences, online & in-person
single checkmark Open to anyone who lives or spends time in Southeast PA
single checkmark All you need to do is open a $5 savings account to join

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Hear From Our Members

Ready to speak with a representative about refinancing your Auto Loan?

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*Agreements and Disclosures

View *Agreements and Disclosures

Annual Percentage Rates (APRs) shown are accurate as of and may change without notice. APRs may range from 6.09% and will not exceed 18%. 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 2015 and newer are available; not all borrowers will qualify for full percentage of advance. A lien recording fee applies and will vary by state.

*Guaranteed Asset Protection (GAP) Coverage is available through a third party. Learn more at