Auto Refinance
Refinance Your Vehicle, Get Cash Out, Get a Bonus!
Refinance your vehicle from another lender, enjoy a lower rate, and turn your car’s equity into cash for anything you need. Then select your bonus.
No Payments for 90 Days
No fees
Terms up to 84 Months
Get Approved in Minutes
Most members save over $100/month by refinancing with First U.S.2
To make most of your auto refinance and get exactly what you want, use the bonus option scenarios below to help you make the choice that is right for you.
Scenario 1:
Maximize Monthly Savings
0.50% Rate Discount
Member Goal: Reduce monthly payment as much as possible!
Offer Chosen: 0.50% Rate Discount — New Rate: 5.99% APR.
- Loan Balance: $40,000
- New Monthly Payment: $664.10
- Monthly Savings2: $115
Total Savings Over Loan Term: $8,280
Promo code: LOWRATE
Apply NowScenario 2:
Lower Payments + Cash in Hand
1% Cash Bonus
Member Goal: Reduce payment and get cash for maintenance or upgrades.
Offer Chosen: 1% Cash Bonus (no rate discount — 6.49% APR)
- Loan Balance: $40,000
- New Monthly Payment: $674
- Monthly Savings2: $105
- Cash Bonus: $400
Total Savings Over Loan Term: $7,560
Promo code: CASHBACK
Apply NowScenario 3:
Cash Out for Debt Consolidation or a Big Purchase
Cash-Out Refi3 + 0.50% Rate Discount
Member Goal: Tap into your car’s equity—even if monthly payments go up.
Offer Chosen: Cash-Out Refi + 0.50% Rate Discount.
- New Loan Amount: $50,000
- New Monthly Payment: $830
- Monthly Increase: $50
Potentially save interest on high-interest credit cards + one predictable monthly payment
Promo code: LOWRATE
Apply Now*Annual Percentage Rate (APR), terms and offers effective 09/13/2025 and subject to change without notice. APR assumes 0.50% discount for automatic payments. 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. Select APR discount or cash bonus. Scenario 1: Payment example: 72 payments of $16.58 per $1,000 borrowed. Scenario 2: Payment example: 72 payments of $16.81 per $1,000 borrowed. Scenario 3: Payment example: 72 payments of $16.58 per $1,000 borrowed.
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.
2.Average APR for a used auto loan as of Q1-2025 is 11.87% according to Experian. Assumes a 72 month term.
3.Cash Out Refinance up to 100% High Kelley Blue Book. Cash bonus option not available with a cash out refinance.