More auto financing resources for you

How to refinance a car loan

Refinancing a car loan can be straightforward and convenient if you follow these steps.

Is an auto refinance right for you?

Looking for a lower interest rate? Want to pay off your loan sooner? Refinancing may be a good choice.

About the auto loan approval process

Ready to purchase a car? Here are some useful tips to help you get started.

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Disclosures

  1. Footnote 1

    Refinancing is available nationwide except for Alaska, Hawaii and New Hampshire.

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  2. Footnote 2

    This calculator is being provided for educational purposes only. The results are estimates and may not reflect final U.S. Bank financing terms. The information does not constitute an application for credit and cannot be used by U.S. Bank to determine a customer’s eligibility for a specific product or service.

    Return to content, Footnote 2
  3. Footnote 3

    Monthly payment and annual percentage rate (APR) will vary based on the term, amount financed, model year, loan-to-value (LTV) percentage, credit history and applicable fees.

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  4. Footnote 4

    There may be title and/or registration fees which are determined by state.

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  5. Footnote 5

    To be eligible for refinance, the existing loan must have been obtained at least 120 days prior to submitting your refinance application.

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Offers are subject to credit approval. Rates are subject to change. Additional restrictions may apply. Member FDIC.