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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

Test Drive your Payment Get Started
  • Overview

    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.

    • Up to 100% of your loan from a different institution
    • Cash back incentive for switching
    • Better rates
    • Better service
    • A variety of terms that fit your budget

    Step 1

    Estimate how low your payment could be

    Calculations do not guarantee credit approval.

    Test Drive Your Payment

    Estimate Your Monthly Payment

    Step 2

    Get pre-approved

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

    Step 3

    You might also be interested in…

    Let's get a better loan

    Apply online using the "New/Used Vehicles" option and let us know in the comments that you're refinancing a loan from a different institution.

    Pre-Approve Online
  • Rates
    Rates Effective as of: 01-28-2022

    New and Used Vehicle Loan Rates

    Term APR
    Up to 36 Months As Low As 2.49%
    37-60 Months As Low As 2.99%
    61-72 Months As Low As 3.49%
    73-84 Months As Low As 3.99%
    85-96 Months As Low As 4.49%

    Up to 120% financing available up to 72 months term. 100% financing on extended terms based on collateral and additional requirements. 72 month financing at 3.99% A.P.R equals $15.64 per $1000.00 financed.

    Examples: New & Used Vehicles

    APR = Annual Percentage Rate. Rates effective as on September 26, 2018. To apply, view our loans page.