Auto Refinance 2.99% APR

Refi your ride to save some green

If you regret your auto loan rate, it's not too late! Get a more sustainable monthly payment when you refinance to our low 2.99% APR* auto loan rate. Plus, you can even skip your payments up to 60 days!**

Get Started on Your Refinance

Get Started on Your Refinance

Save Money on Your Auto Loan

If you have at least $7,500 on your auto loan, Addition Financial can help you:

  • Get a competitive rate
    • Vehicles with less than 85,000 miles: 2.99% APR for all refinances up to 60 months or 3.49% APR for up to 72 months
    • Vehicles with more than 85,000 miles: 3.49% APR for all refinances up to 60 months or 3.99% APR for up to 72 months
  • Save money
    With a lower interest rate, you'll save more money on your loan.
  • Reduce your monthly payments
    You can reset your term to 5 years (60 months) or 6 years (72 months) to pay less each month on your remaining loan balance.
  • Take a payment vacation
    You have the option to skip your payments for up to 60 days. Use the extra cash to buy something fun, pay off some bills, make a donation to your favorite cause, or add to your savings - you decide!

Learn More

How Much Can You Save by Refinancing?

Refinance Now

It's Easy to Refinance with Us

1. Collect Documents

It’s important to have some key information in hand before you move forward with refinancing. Here are the things you’ll need:

  • The payoff amount on your current car loan (you can request an official payoff letter from your current lender)
  • Proof of employment/income, residence, and insurance
  • Your car’s VIN number, year, make, model and current mileage

2. Apply Online, Over the Phone, or at Your Local Branch

You can apply easily online, via phone, or at a branch. Any way you choose to apply, we're here to help answer any questions you may have.

3. We'll Pay Off Your Old Loan

We will directly pay the prior lender using the information from the payoff letter. Then, we'll transfer the title of your car to Addition Financial and hold it until your new loan has been paid off.

4. Skip Your Payments for 60 Days

Once your loan is refinanced with Addition Financial at our low 2.99% APR, you can skip your payments for up to 60 days before you start repaying at your new lower rate.


Get Started