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Should I Refinance My Auto Loan?

Determine out how much you could reduce your monthly and total loan payments if you refinance your car loan.

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Today's Rates for New & Used Auto Loans in Arkansas

Please select your state in the dropdown to see our rates for your location.

Effective Date: February 01, 2025
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.50%
Up to 48 Months All Years** 5.60%
Up to 60 Months All Years** 5.70%
Up to 72 Months 2019 or Newer** 6.00%
Up to 84 Months 2021 or Newer 6.60%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.19% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 5.19% APR for 60 months equals $379.17 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% loan to value, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles.. Some conditions apply. **A 0.75 premium will be added to model years 2020 and older.

Today's Rates for New & Used Auto Loans in Oklahoma

Please select your state in the dropdown to see our rates for your location.

Effective Date: February 01, 2025
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.50%
Up to 48 Months All Years** 5.60%
Up to 60 Months All Years** 5.70%
Up to 72 Months 2019 or Newer** 6.00%
Up to 84 Months 2021 or Newer 6.60%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.19% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 5.19% APR for 60 months equals $379.17 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% loan to value, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles.. Some conditions apply. **A 0.75 premium will be added to model years 2020 and older.

Today's Rates for New & Used Auto Loans in Indiana

Please select your state in the dropdown to see our rates for your location.

Effective Date: February 01, 2025
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.65%
Up to 48 Months All Years** 5.75%
Up to 60 Months All Years** 5.85%
Up to 72 Months 2019 or Newer** 6.15%
Up to 84 Months 2021 or Newer 6.75%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.19% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 5.19% APR for 60 months equals $379.17 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% loan to value, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles.. Some conditions apply. **A 0.75 premium will be added to model years 2020 and older.

Today's Rates for New & Used Auto Loans in Michigan

Please select your state in the dropdown to see our rates for your location.

Effective Date: February 01, 2025
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.70%
Up to 48 Months All Years** 5.80%
Up to 60 Months All Years** 5.90%
Up to 72 Months 2019 or Newer** 6.20%
Up to 84 Months 2021 or Newer 6.80%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.19% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 5.19% APR for 60 months equals $379.17 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% loan to value, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles.. Some conditions apply. **A 0.75 premium will be added to model years 2020 and older.

Today's Rates for New & Used Auto Loans in Nevada

Please select your state in the dropdown to see our rates for your location.

Effective Date: February 01, 2025
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.19%
Up to 48 Months All Years** 5.29%
Up to 60 Months All Years** 5.39%
Up to 72 Months 2019 or Newer** 5.69%
Up to 84 Months 2021 or Newer 6.29%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.19% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 5.19% APR for 60 months equals $379.17 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% loan to value, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles.. Some conditions apply. **A 0.75 premium will be added to model years 2020 and older.

Today's Rates for New & Used Auto Loans in North Carolina

Please select your state in the dropdown to see our rates for your location.

Effective Date: February 01, 2025
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.25%
Up to 48 Months All Years** 5.35%
Up to 60 Months All Years** 5.45%
Up to 72 Months 2019 or Newer** 5.75%
Up to 84 Months 2021 or Newer 6.35%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.19% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 5.19% APR for 60 months equals $379.17 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% loan to value, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles.. Some conditions apply. **A 0.75 premium will be added to model years 2020 and older.

Today's Rates for New & Used Auto Loans in Ohio

Please select your state in the dropdown to see our rates for your location.

Effective Date: February 01, 2025
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.70%
Up to 48 Months All Years** 5.80%
Up to 60 Months All Years** 5.90%
Up to 72 Months 2019 or Newer** 6.20%
Up to 84 Months 2021 or Newer 6.80%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.19% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 5.19% APR for 60 months equals $379.17 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% loan to value, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles.. Some conditions apply. **A 0.75 premium will be added to model years 2020 and older.

Today's Rates for New & Used Auto Loans in Pennsylvania

Please select your state in the dropdown to see our rates for your location.

Effective Date: February 01, 2025
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.65%
Up to 48 Months All Years** 5.75%
Up to 60 Months All Years** 5.85%
Up to 72 Months 2019 or Newer** 6.15%
Up to 84 Months 2021 or Newer 6.75%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.19% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 5.19% APR for 60 months equals $379.17 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% loan to value, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles.. Some conditions apply. **A 0.75 premium will be added to model years 2020 and older.

Today's Rates for New & Used Auto Loans in Other States

Please select your state in the dropdown to see our rates for your location.

Effective Date: February 01, 2025
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.90%
Up to 48 Months All Years** 6.00%
Up to 60 Months All Years** 6.10%
Up to 72 Months 2019 or Newer** 6.40%
Up to 84 Months 2021 or Newer 7.00%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.19% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 5.19% APR for 60 months equals $379.17 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% loan to value, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles.. Some conditions apply. **A 0.75 premium will be added to model years 2020 and older.

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