Auto loan refinancing

Refinancing your auto loan can be a smart way to improve your financial situation. Whether you're looking to lower your monthly payment, reduce your interest or use the equity in your vehicle, the right refinance option can help you move forward with more flexibility and confidence. Our auto refinance loans are designed to support your financial health at every stage of vehicle ownership.

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Quick Facts

Why refinance with Credit Human

Refinancing can help you make the most of your current loan by aligning it with your financial goals. Benefits may include:

Lower monthly payments
Reduced interest rate
Flexible terms up to 84 months
No payment for up to 90 days for qualified borrowers
Multiple rate discounts available
Easy online account management

Qualifications apply, see details

Support at every step of your loan journey

No pressure. Just practical support to help you improve your loan and your financial outlook.

You’re more than a loan, account or credit score at Credit Human. You’re an integral part of our vibrant community, and you deserve a partner who will help you reach your goals and live well. That’s where Credit Human comes in.

Quick decisions

Most loan decisions happen in minutes, so you can move forward without delay.

Focus on affordability

Refinancing may help reduce your monthly payment and improve your cash flow.

Rate discounts that add up

Take advantage of rate discounts with things like auto pay enrollment and more.

Flexible loan options

We offer a variety of terms to fit your current financial situation and future goals.

Not sure if refinancing is right for you?

Talk with an auto loan advisor to explore your options and see how refinancing could improve your monthly payment or overall loan cost. We’ll help you find a solution that fits your goals and your spending plan. Make an appointment or contact us at 800-688-7228.

Protect your vehicle and your financial progress

Your vehicle remains an important financial asset. Protect it with coverage options that help you stay on track even when unexpected events happen.

Guaranteed Asset Protection (GAP)

GAP Advantage from Credit Human is designed to protect you from financial loss if your vehicle is damaged beyond repair or stolen.

View GAP details

Major Mechanical Protection (MMP)

MMP covers major mechanical failures beyond the manufacturer warranty. Repairs can be performed at a dealership or licensed repair shop.

View MMP details

Credit insurance

Credit insurance reduces financial stress when you and your family need it most by covering loan payments if you pass away or become unable to earn income due to a covered disability.

View credit insurance details

Automobile loan rates - new and used vehicles

The following rates apply to car and truck loans for purchase, refinancing, and equity loan types.

Rates effective as of 07-01-2026

Vehicle model year	Term	Minimum loan	Rate (APR)
2023 and newer	24 - 48 months	$7,500	5.69 - 14.29%
2021 - 2022	24 - 72 months	$7,500	5.89 - 14.29%
2020	24 - 69 months	$7,500	5.89 - 14.09%
2019	24 - 63 months	$7,500	5.89 - 14.09%
2016 - 2018	24 - 60 months	$7,500	5.89 - 14.09%

Disclosures

* Minimum 680 FICO score and $25,000 amount financed to qualify for 79 - 84-month term.

** 5.69% APR is for a 24 - 48-month term with minimum 780 FICO score and includes .40% discount for setting up auto pay from a Credit Human checking account. Additional rate discounts may apply for vehicle value and EV/hybrid. Ask an Auto Loan Advisor for details.

*** No payment for 90 days applies to qualified borrowers with a 680+ FICO score on loans of $7,500 or more.

Annual Percentage Rate (APR) is dependent on credit rating, collateral value, amount financed and other criteria. Qualifying used vehicles must be 10 model years or newer with 150,000 miles or fewer.

Start your refinance application today

Apply online to explore options that could lower your payment or reduce your rate. It’s quick, straightforward and designed to help you move forward with confidence.

Auto loan refinancing

Why refinance with Credit Human