
Auto Loan Refinance
Let’s reduce your payment.
Pay less, stress less
We’re in the business of lowering your interest rate and your heart rate. Whether you want to pay less in interest or reduce your monthly car payment, we’re here to help you secure the best rate, term, and payment plan for your standard, eco-friendly, or recreational vehicle.
Benefits
Immediate savings
Let’s see roughly how much you can save with our monthly savings calculator.
Discounted rates
Whether you’re refinancing all-electric, hybrid, or green vehicles, you can get a full 1.00% off regular Auto Loan rates. Learn more about which types of vehicles qualify.
1% cash back
Refinance your auto loan2 with us from another financial institution and get 1% cash back—up to $200.
Current rates
Term |
APR as low as1 |
---|---|
Rates effective 02/14/2025 | |
APR = annual percentage rate and reflects the current minimum APR offered. |
|
Term 24 months |
APR as low as1 5.35% |
Term 36 months |
APR as low as1 5.60% |
Term 48 months |
APR as low as1 5.65% |
Term 60 months |
APR as low as1 5.80% |
Term 72 months |
APR as low as1 6.25% |
Term 84 months |
APR as low as1 6.85% |
Term |
APR as low as1 |
---|---|
Rates effective 02/14/2025 | |
APR = annual percentage rate and reflects the current minimum APR offered. APR reduced by an additional 0.50% for all-electric and plug-in electric vehicles. |
|
Term 24 months |
APR as low as1 4.85% |
Term 36 months |
APR as low as1 5.10% |
Term 48 months |
APR as low as1 5.15% |
Term 60 months |
APR as low as1 5.30% |
Term 72 months |
APR as low as1 5.75% |
Term 84 months |
APR as low as1 6.35% |
Term 96 months |
APR as low as1 6.85% |
Term |
APR (as low as)1 |
---|---|
Rates effective 02/14/2025 | |
APY = annual percentage yield and reflects the current minimum APY offered. |
|
Term 24 months |
APR (as low as)1 4.35% |
Term 36 months |
APR (as low as)1 4.60% |
Term 48 months |
APR (as low as)1 4.65% |
Term 60 months |
APR (as low as)1 4.80% |
Term 72 months |
APR (as low as)1 5.25% |
Term 84 months |
APR (as low as)1 5.85% |
Term 96 months |
APR (as low as)1 6.35% |
Estimate your monthly savings
Enter the details from your original loan, the amount you wish to refinance, and new desired term to estimate your monthly payment and interest rate.
Calculated payments shown are for estimation purposes only. Actual loan payment amount and interest rate will be disclosed at loan closing and may differ slightly.
Refinancing a green vehicle?
Refinance your plug-in hybrid, electric, or alternative fuel vehicle and save with our Green Vehicle Loan. Designed for any eco-friendly make and model, this loan offers lower rates and extended terms. Eligible vehicles include:
- Any vehicle that has a combined city/highway MPG over 35, as per FuelEconomy.gov.
- Vehicles powered by alternative fuels such as fuel cells, ethanol, natural gas, propane, or hydrogen.
- Electric motorcycles.

Apply to refinance your auto loan
If you are already a member, it’s easier to apply after you’ve logged into Digital Banking. If you’re not a member, no problem! You’ll be prompted to open an account and can follow our easy steps to become a member at EastRise.
Disclosures
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Other rates and terms may be available. APR = annual percentage rate may be adjusted based on your individual credit standing and term. Payment example: $25,000 loan for 60 months at 6.05% APR will have a monthly payment of $485.25. Payment example: $25,000 loan for 60 months at 5.55% APR will have a monthly payment of $479.17. Payment example: $25,000 loan for 60 months at 5.05% APR will have a monthly payment of $473.31.
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- 2.
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1% cash back based on loan amount refinanced. Amount deposited into a EastRise checking account.
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