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Refinance Your Vehicle With Centricity

"Our Lending Team has many years of experience. We are here as financial experts to assist our members in their financial journey. It can be your first car or your next truck, we are here for you as life happens."
- Nate - Assistant VP of Lending

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Don’t Stick With a Bad Loan

Have a car payment you don’t love? Get a better rate, better service, and a cash back bonus when you refinance with us. You’ll get the same options of terms and great service that new loans receive.

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Up to 100% of your loan from a different institution

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Better rates

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Better service

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A variety of terms that fit your budget

Estimate how low your payment could be

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Getting pre-approved for a loan saves time and energy so you’ll know exactly how much you’re able to spend.

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Apply right now from your computer. It takes 5 minutes.

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Apply from a cozy lobby at any of our branches.

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Let's get a better loan

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Rates

New Vehicle Loan Rates (Current Model Year & Newer)

Rates effective as of: February 14, 2026

Rates based on final LTV (Loan-to-Value) of 75%. The rate will increase for loans with higher LTVs.

Up to 120% financing available up to 72 months term. 100% financing on extended terms based on collateral and additional requirements.

APR = Annual Percentage Rate. To apply, view our loans page.

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