Refinance your auto loan
If you live in San Antonio, you know having a car is almost a necessity. What’s unnecessary is paying an interest higher than you should. Whether you’re currently paying off an auto loan or looking for your next vehicle our rates are competitive regardless of your credit score.
WHY REFINANCE?
Refinancing can get you a lower interest rate, leading to lower monthly payments.
WHEN TO REFINANCE
If your credit score has improved since you took out your existing car loan, or if rates have decreased.
Purchase your next car
If you’re looking for your next car you’ve come to the right place. Here are some tips we can help with:
Get pre-approved before going to a dealer. This can help save time at the dealers, protect your credit score, and avoid any misleading deals at dealerships such as a very low rate for a very short term (which doesn’t work for most of us). It also helps you understand how much car you can actually afford.
Stick to cars within the amount you’re pre-approved for. Knowledge is key - do some research on existing inventory using our ‘Find your next car’ button. Consider selecting a used car to save more money.
Rates:
| Term - New/Used Autos (Models 2023 & newer) | APR* as low as |
|---|---|
| 0 to 66 months | |
| 67 to 75 months | |
| 76 to 84 months | |
| Term - Used Autos (Models 2022-2020) | APR* as low as |
| Up to 66 months | |
| 67 to 75 months | |
| Term - Used Autos (Models 2019-2018) | APR* as low as |
| Up to 54 months | 5.25% |
| 55 to 60 months | 5.25% |
*APR means Annual Percentage Rate as of January 7, 2025, and is subject to change without prior notice. Your specific rate and term will be dependent upon your credit rating, collateral value, amount financed, vehicle year, vehicle model and other factors. Not all applicants will qualify for the lowest rate.