Auto Refinance

A fresh start for your car loan.

Refinance Your Vehicle, Get Cash Out, Get a Bonus!

If you’re paying too much on your current auto loan, refinancing could help you lower your rate, reduce your monthly payment, or tap into your vehicle’s equity for cash.

Promo code: LOWRATE
0.50% APR^* Discount
Promo code: CASHBACK
1% Cash Bonus up to $500¹

Why refinance your auto loan with us?

Take a break from payments

Skip your first payment for up to 90 days.

No extra costs to switch

There are no application or refinancing fees.

Choose a payment that works for you

Keep payments lower with terms up to 84 months.

Fast approvals

Apply online and get approved in minutes.

Check our rates

See all rates.

New Vehicle Loans (2025 or newer)
Term	APR* as low as
* Annual Percentage Rates (APRs), rates, terms and offers accurate as of 10/16/2026 and subject to change without notice. Mileage restrictions may apply for vehicle loans. Autos, Pickups, Vans and SUVs 2025 or newer model years. Your actual rate may vary and will be based on credit rating, the amount financed and the loan term. New auto payment example: 60 payments of $19.27 per $1,000 borrowed.
Term 36 months	APR* as low as 5.84%
Term 48 months	APR* as low as 5.84%
Term 60 months	APR* as low as 5.84%
Term 66 months	APR* as low as 6.04%
Term 72 months	APR* as low as 6.09%
Term 84 months	APR* as low as 6.64%

Used Vehicle Loans (2017-2024)
Term	APR* as low as
*Annual Percentage Rates (APRs), terms, offers effective November 12, 2026 and subject to change. Mileage restrictions may apply for vehicle loans. Autos, Pickups, Vans, SUVs 2017 – 2024 model years. Your actual rate may vary and will be based on credit rating, the amount financed and the loan term. Used auto payment example: 60 payments of $19.43 per $1,000 borrowed.
Term 36 months	APR* as low as 6.09%
Term 48 months	APR* as low as 6.09%
Term 60 months	APR* as low as 6.19%
Term 66 months	APR* as low as 6.29%
Term 72 months	APR* as low as 6.34%
Term 84 months	APR* as low as 7.09%

Savings Calculator

I’ve done a lot of business with First US and everyone has always been very helpful. I tell all of my friends and family to go there for a loan. One of my close came and got his truck financed there and is very happy as well!

William R

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Auto Refinance FAQs

Required items include the current registration, a lender provided 10-day payoff, evidence of insurance, and valid driver’s license. Registration renewal due within 75 days may require additional items.

Yes. If your vehicle is paid off, you may qualify for a loan based on its value and your credit qualifications.

Yes. If you refinance an eligible vehicle currently financed with another lender, you can choose either:

A 0.50% APR discount *, or

1% cash back on the refinance amount (up to $500) ¹

Offer available on eligible vehicles less than 10 years old.

*Annual Percentage Rate (APR), terms and offers effective 10/30/2026 and subject to change without notice. Your actual rate may vary and will be based on credit rating, the amount financed and the loan term. Interest accrues from date of disbursal. Offer is only available for models less than 10 years old. Certain restrictions apply. Offer not available for purchases. This offer cannot be used to refinance an existing First U.S. loan. Cash Out Refinance up to 100% High Kelley Blue Book. Cash bonus option not available with a cash out refinance.

¹Cash Bonus: one per vehicle based on 1% of amount financed up to $500; $10,000 minimum loan amount required. Refinance up to 125% High Kelley Blue Book, plus up to $420 GAP. Loan must remain at First U.S. for 6 months or cash bonus is added to loan payoff amount.

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EV Cars & Chargers

Thinking about switching to electric or hybrid? We are here to help you get the financing you need.

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Shop for a Car

Whether you’re buying a new or used vehicle, First U.S. offers financing designed to help you shop with confidence. Get pre-approved before you buy, choose from flexible loan terms, and take advantage of available discounts when eligible.

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Disclosures

* Annual Percentage Rate (APR), terms and offers effective 10/30/2026 and subject to change without notice. Your actual rate may vary and will be based on credit rating, the amount financed and the loan term. Interest accrues from date of disbursal. Offer is only available for models less than 10 years old. Certain restrictions apply. Offer not available for purchases. This offer cannot be used to refinance an existing First U.S. loan. Cash Out Refinance up to 100% High Kelley Blue Book. Cash bonus option not available with a cash out refinance.

1. Cash Bonus: one per vehicle based on 1% of amount financed up to $500; $10,000 minimum loan amount required. Refinance up to 125% High Kelley Blue Book, plus up to $420 GAP. Loan must remain at First U.S. for 6 months or cash bonus is added to loan payoff amount.