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汽车贷款 再融资

Save on your payments or take cash out from your car to cover your financial needs


再融资可以使 真正的不同

再融资 is an excellent way to change the terms of your current auto loan, which can help you lower the annual percentage rate (APR). A lower APR can mean monthly savings for you, freeing up cash for you to use on other expenses.

再融资 can help you reduce your current rate and interest you pay over time, 同时也降低了你的车贷.

You may be surprised to learn you can also get cash back from your car’s equity. Borrow up to 100% of your car’s Kelley Blue Book value to use for your financial needs.

平均, 我们的会员节省了近1美元,800 over the life of their loan by financing their car with us – now it’s your turn to save.2

Whether you recently purchased a vehicle and want to find more affordable terms, or have a higher-rate car loan elsewhere, refinancing may be the right solution for you.

再融资的好处

方便网上申请

检查房价 并在几分钟内预审资格

切换到保存

计算你的潜在储蓄 并排

安心

Lock in your rate for up to 15 days – guaranteed3

负担得起的融资 

Enjoy no application fees, no origination fees and no pre-payment fees

对按时付款的奖励

Members may qualify for rate reductions with LevelUp4

现金返还机会

Borrow from your car’s value to help with your financial needs

汽车贷款再融资 利率

税率自2024年3月5日起生效

术语最少4月范围1
178840至48个月没有一个6.74% to 17.99%6.748403/05/2024517.99140%0 - 48个月:23美元.每借1000美元每月89美元.74% APR for 48 个月; 49‑66 个月: $18.每1000美元每月借23美元.74% APR for 66 个月; 67‑72 个月: $17.每1000美元每月借12美元.04% APR for 72 个月; 73‑84 个月: $15.每借1000美元每月39美元.84个月49%的年利率.
1788749至66个月没有一个6.74% to 17.99%6.7420/10/2023617.99
1789167至72个月$10,000, 72个月期限7.04% to 17.99%7.0420/10/2023717.99
1789573至84个月$15,000, 84个月期限7.49% to 17.99%7.4920/10/2023817.99

常见问题

  • An auto loan refinance is when you take out a new car loan to pay off your existing car loan.
    再融资 a car loan may not seem as common as refinancing a mortgage, 但它有很大的好处值得探索.

    Even more than just saving on your payments or interest rate, sometimes it’s beneficial to extend or shorten your existing 贷款期限. Depending on how far you are into your current loan, a shorter term and a new lower rate can help you pay off your loan faster. A longer term often offers a reduced monthly payment amount, making it easier on your budget if you’re juggling multiple expenses.

    Yes, but it depends on how much you currently owe and your car’s estimated value. In most cases you can borrow up to 100% of your car’s value and use the funds to cover other expenses such as high-interest debt.

看看再融资是否适合你
与我们的 切换到保存 工具, it’s easy to see how much you can save by comparing your current loan and new loan financing 并排.
计算我的储蓄 看看再融资是否适合你
开始节省你的车贷
Get pre-qualified and see your rate, terms, and payment amount – with no impact to your credit score.5

1 二手车价格从6点开始.从2024年3月5日起,年利率为74%; 如有更改,恕不另行通知. Patelco offers a range of base rates and discounts that depend on factors such as 信用记录, 贷款期限, Patelco账户关系, 车辆行驶里程, 贷款金额和车辆年龄. 可能会有额外折扣. 车辆 mileage greater than 100k will include an additional .加成50%. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 17.4月99%. To learn more about rates, terms, and exclusive discounts for members, such as 家庭的承诺,叫 800.358.8228 或参观任何一家Patelco分公司.

二手汽车贷款支付例子: 0 - 48个月:23美元.每借1000美元每月89美元.74% APR for 48 个月; 49‑66 个月: $18.每1000美元每月借23美元.74% APR for 66 个月; 67‑72 个月: $17.每1000美元每月借12美元.04% APR for 72 个月; 73‑84 个月: $15.每借1000美元每月39美元.84个月49%的年利率.

2 资料来源:Datatrac、NCUA和CUNA. The study was completed by the 信贷 Union National Association (CUNA) year ending 2021. CUNA估计这笔资金将达到30美元,000 new automobile for 60 个月 at Patelco will save members an average of $1,五年内780美元, 或者每年356美元, as compared to what they would pay at another banking institution in California. 会员的成绩可能会有所不同. 须经批准.

3 汽车 loan rate is valid 15 days from your loan approval date. Any change to term and/or vehicle information, 信用记录, 账户的关系, and Patelco promotional discounts or programs may result in a rate change. Your final rate will be disclosed to you in writing.

4 LevelUp is offered to members who are approved for the following loans at Patelco’s credit tier 2 or higher: auto, 摩托车, RV, 船, 个人贷款, 不包括所有信用额度. 总折扣高达1.50% APR (Annual Percentage Rate) applied in 0.50% APR increments for every 12 consecutive on-time monthly payments. Maximum discount will never cause the final APR to be lower than the LevelUp floor rate for the specific loan and term at time of funding. 每月付款金额保持不变, with additional money going toward principal, which shortens the term of the loan and the total amount paid over the life of the loan.

5 Patelco runs a “soft” credit pull to determine which pre-qualification offer you qualify for. 这不会影响你的信用评分. If you choose to proceed with a loan application, Patelco will request your full credit report from one or more credit reporting agencies. This will be a “hard” pull and may affect your credit. 如果有必要的话, we may also share certain information about you with third parties, 比如我们的保险公司, 处理您的要求.

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