Whether you’re looking to lower your rate, reduce your monthly payment, or get extra cash in hand, we make it simple.

*Annual Percentage Rate (APR), terms and offers effective 10/26/2026 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.