Today’s lowest auto loan refinance rate 3,4

As low as

7.43% APR

To qualify for the lowest rate, certain conditions apply.4

What could your monthly payment be?

Use our auto refinance calculator to estimate your annual percentage rate (APR) and monthly payments.

Calculate your payment

Should I refinance my auto loan?

Depending on your unique situation, your reason to refinance may vary. Here are a few reasons why many people choose an auto loan refinance.

Lower your interest rate

If you qualify for a lower interest rate, you could save money over the remaining duration of your auto loan.

Lower your monthly payment

Refinancing could help you reduce your payment to better fit your monthly budget.

Pay your loan off sooner

Your monthly payment may increase, but you’ll make fewer payments overall and may pay less interest in the long term.

How does an auto loan refinance work?

Refinancing your auto loan with U.S. Bank is easy. Just fill out our quick online application and you could have a decision in minutes. Auto refinancing is not available in all states.1,2,3

 

Gather your information.

In addition to standard personal info like your Social Security number and proof of employment, here’s what you’ll need to apply for an auto loan refinance:

  • Vehicle identification number (VIN)
  • Your current loan balance, lienholder and account number
  • Insurance information
  • Vehicle registration
Apply now
Previous step Next step

Care for the life of your car or truck.

As a U.S. Bank customer, you can store and access all your vehicle records with U.S. Bank Vehicle Manager. It’s a great way to stay up to date on maintenance, track the value of your vehicle and more.

More about U.S. Bank Vehicle Manager

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.

Get started

Apply now
Call 800-473-6372
Make an appointment
Start of disclosure content

Disclosures

  1. Footnote 1

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

    Return to content, Footnote 1
  2. Footnote 2

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

    Return to content, Footnote 2
  3. Footnote 3

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

    Return to content, Footnote 3
  4. Footnote 4

    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. Payment example: for an amount financed of $30,000 on a 1 year old vehicle over a 60-month term with a $100 origination fee, monthly payments would be $616.22 at an annual percentage rate (APR) of 8.55%.

    Return to content, Footnote 4

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