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Refinance

Auto Loan Refinance

 

Switch gears on your high auto loan payment with another financial institution by refinancing with AgFed! Apply today to learn how our easy refinancing process could lower your monthly payments and save you money.

Plus, receive a 0.15% Rate Discount when you set up automatic payments at loan booking!*

Features of Auto Loan Refinance

Apply by phone at 888-451-5626 or online.

Vehicle Loans

New Cars, Trucks, & Vans**

Model Year Loan Type Term APR (1) as low as
2025 - 2026 Fixed Up to 36 months 4.24% 
2025 - 2026 Fixed Up to 48 months 4.49% 
2025 - 2026 Fixed Up to 60 months 4.74% 
2025 - 2026 Fixed Up to 72 months 5.39%
2025 - 2026 Fixed Up to 84 months 5.74%

Example payment: The estimated monthly payment for a $20,000 new auto loan with a 60 month term at a rate of 4.74% APR is $375.06.

Used Cars, Trucks, & Vans**

Model Year Loan Type Term APR (1) as low as
2019 - 2024 Fixed Up to 36 months 4.79% 
2019 - 2024 Fixed Up to 48 months 5.04% 
2019 - 2024 Fixed Up to 60 months 5.29% 
2019 - 2024 Fixed Up to 72 months 5.94%
2019 - 2024 Fixed Up to 84 months 6.29%

Example payment: The estimated monthly payment for a $20,000 used auto loan with a 60 month term at a rate of 5.29% APR is $380.11.

Older Used Cars, Trucks, & Vans***

Model Year Loan Type Term APR (1) as low as
2018 or older Fixed Up to 36 months 5.74% 
2018 or older Fixed Up to 48 months 6.04% 
2018 or older Fixed Up to 60 months 6.29% 
2018 or older Fixed Up to 72 months 6.94%

Example payment: The estimated monthly payment for a $20,000 older used auto loan with a 60 month term at a rate of 6.29% APR is $389.38.

(1) APR is Annual Percentage Rate. AgFed reserves the right to change the published rate at any time without advance notice. Rate may vary as it is determined by an evaluation of credit, amount, term and other factors. Term is determined by loan amount. Actual rate may vary. All loans are subject to credit approval.

* Auto loan rate discount of 0.15% is available when automatic payments are set up at the time of loan origination. Offer does not apply to AgFed internal refinances or previously funded auto loans. Rate discount offer of 0.15% will be applied based on the applicant's qualified rate. Discount must be requested during the application process and all required forms must be completed at loan closing. Certain restrictions and conditions may apply. AgFed reserves the right to amend or withdraw this offer at anytime without prior notice.

** New vehicles are the two (2) latest model years, currently 2024 and 2025. Used vehicles are currently 2018 model year to 2023. Minimum loan amount for a 72 month term is $25,000.00. Minimum loan amount for a 84 month term is $35,000.00.

*** Older used vehicles are 2017 model year and older. Financing is limited to $50,000.00 and loan terms cannot exceed 72 months. Financing for older used vehicles is available for up to 100% LTV.

 
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