Refinancing your current auto loan from another lender with Spirit Financial could save you money. Auto loan refinancing may help you decrease your monthly payment with a lower interest rate or longer-term. Want to pay your auto loan off faster? Refinancing to a lower rate and shorter term can help you accomplish that. Whatever your goal, refinance your auto loan online with Spirit Financial today.


Auto Loan Refinance Rates

Effective Date (5/1/2019) and Rates Subject to Change.

New APR*
Up to 60 months as low as 3.49%***
Up to 72 months as low as 3.74%***
Up to 84 months as low as 4.24%***
Used APR*
Up to 60 months as low as 3.74%***
Up to 72 months as low as 3.99%***

Auto Loan Refinance Benefits

  • Up to 120% financing of NADA value, plus tax and tags****

  • Competitive auto loan rates

  • Flexible terms of up to 84 months

  • Easy online application

  • Fast decision-making process

  • Convenient automatic payments

  • GAP Coverage (Guaranteed Asset Protection)

  • Payment Protection: This helps you and your family in the event of borrower(s) loss of life, disability, and/or involuntary unemployment


Prefer to speak to someone about Refinancing?

Just visit our office or give one of our Loan Officers a call at (267) 580-0230.



*** APR = Annual Percentage Rate. Rates are for qualified borrowers and are based on the credit worthiness of the individual. Actual rates may be different than the rates shown.
**** Any vehicle over 110% NADA, 0.25% APR added to rate. 120% NADA on 2013 and newer models.