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Car Loan Refinancing

Lower Your Payments

Already love the vehicle you’re driving? Refinancing your auto loan could help you lower your monthly payment, secure a better rate, or adjust your loan term to better fit your budget. With competitive rates, flexible financing options, and local lending support, making your current loan work harder for you may be easier than you think.

Explore Your Car Loan Refinance Options

Crunch the Numbers

Curious how much you could save? Use our easy-to-use calculator to estimate your monthly payment and see how refinancing a car loan may fit your budget before you apply.

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Check Out Today’s Car Loan Refinance Rates

Refinancing your car loan may help you lower your monthly payment, reduce the amount of interest you pay, or find terms that better fit your current financial goals. Based on your credit, income, and remaining loan balance, we’ll help you explore options that make sense for you.

With these tools, you can explore car loan refinance options confidently, on your terms.

See All Rates
Member reviewing car refinance options

Not Sure Where To Start?

We Can Help

Our experienced lending team is here to answer your questions, from current loan payoff details and rate options to terms and credit qualifications. Whether you’re hoping to save money or simply want to compare your options, we’ll guide you through the Car Loan Refinance process from start to finish.

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When Should You Refinance Your Car Loan?

A Car Loan Refinance may make sense if:

  • Your credit score has improved
  • Rates are lower than when you first financed
  • You want to lower your monthly payment
  • You want to adjust your loan term
  • You want to move your loan to First Source
Member comparing car refinance options

Don’t Forget Car Insurance

Stay protected on the road with coverage you can trust. We’ll help you get started.

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Frequently Asked Questions

Why should I refinance my car loan?
Refinancing your car loan may help you lower your monthly payment, reduce your interest rate, pay less interest over time, or adjust your loan term to better fit your budget.
Can I refinance a car loan from another lender?
Yes. If your current car loan is with another lender, First Source can help you explore refinancing options and see if moving your loan makes sense.
Will refinancing my car loan affect my credit?
Applying for a Car Loan Refinance may result in a credit inquiry. Our team can walk you through the process and help you understand what to expect before you apply.
Driver considering car loan refinancing

Live Smarter

Wondering if refinancing could save you money? Let’s review your options together. Call 315-735-8571 or schedule an appointment with a First Source lending representative to discuss your current loan and refinancing opportunities.

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Interested In Learning More?

To see the different types of vehicle loans and services we have available, visit our Car Loans overview page.

Membership and credit requirements apply. Rates and terms determined by overall credit history and subject to change.