older couple wearing sunglasses in a convertible car taking a selfie and smiling

Auto Loan Refinance

We go the extra mile to make sure you have the right auto loan with the best terms.

achieve more with a better auto loan

At Reliant, we think about what’s possible, rather than what is. That’s why we offer to refinance (or buy out) your existing auto loan and replace it with a better loan with better terms. The result? More money in your pocket, so you can achieve the other goals in your life.  Our members save an average of $3,0011 when they refinance with us — and many save far more than that!

  • Better Rate

    With a lower rate from Reliant, you may be able to get a lower monthly payment, freeing up cash to spend on other things.

  • Shorter Term

    We’ll look at your current remaining loan balance and model year, and figure out whether we can shorten your term for you.

  • Free, As It Should Be

    Our goal is to save you money — that’s why we don’t charge you a fee to refinance. We may even put money in your pocket!

large quote icon

I saved more than $3,000 by heading to Reliant. The new Jeep was the second new car I’ve refinanced through the credit union. In addition to my car loan, I also have a home equity loan with Reliant, and my paychecks are directly deposited there. Wouldn’t go anywhere else.

Donna Fox
Member since 1990
New and Used Vehicle — 2023 & Newer Model Years



APR^ as low as

**Minimum loan amount for terms of 67 to 72 months is $15,000.

***Minimum loan amount for terms of 73 to 84 months is $25,000.



Up to 36 months

APR^ as low as




37 to 60 months

APR^ as low as




61 to 72 months**

APR^ as low as




73 to 84 months***

APR^ as low as


Auto Refinance Interest Savings Calculator


If we receive your completed application by 3:00pm on a business day, you will get a decision the same day.

We encourage convenient automatic payment from a Reliant account. You can also make payments through online banking from an account at another financial institution using that FI’s routing & account number.

We typically save our members an average of $3,0011 when they refinance with Reliant.  Use our online calculators to figure out what your approximate savings might be when refinancing with Reliant. You will need to know your current balance, remaining term, and your interest rate. We welcome the opportunity to review the current auto loan you have elsewhere to see if we can save you money. Contact us at 800-724-9282, visit online chat during normal business hours, or visit any of our branch locations.

Please be prepared to provide your vehicle information, including year, make & model, as well as your current loan balance, remaining term, and your interest rate.  Before closing, we will also require the vehicle’s title.

get started

Stop by
Find a branch
Apply online
Apply now
Call us



1Your savings may vary.

^APR = Annual Percentage Rate.  Rates are accurate as of 5/1/2024. Your vehicle loan rate will be determined by your credit score, model year of vehicle, term of loan, and payment method. 100% financing of MSRP/NADA retail loan value plus the cost of sales tax and service contract available. All loans subject to approval and must meet credit-granting terms and conditions.

SVG linear gradients