Refinance Your Auto Loan and Save
Lower your payment with Arizona auto loan refinancing.
If your current auto loan came from a dealership or another lender, there’s a good chance you’re paying more than you need to. Refinancing with Vantage West can lower your rate, reduce your monthly payment, or help you pay off your vehicle sooner.
Rates as low as 5.80% APR*
What Vehicles Can Be Refinanced?
Vantage West can refinance most personal vehicles, including cars, trucks, motorcycles, RVs, and other eligible recreational vehicles. If you’re unsure whether your vehicle qualifies, a loan specialist can confirm in minutes and walk you through your options.
Why Refinance With Vantage West
- Lower your interest rate. Credit union rates are often better than dealer or big-bank financing, which can mean real savings over the life of your loan.
- Reduce your monthly payment. A better rate or adjusted term can free up room in your budget.
- Pay off your loan faster. If your goal is to get debt-free sooner, refinancing can help you shorten your term while staying comfortable with payments.
- Skip the dealership pressure. Move your loan to a local credit union focused on your long-term value, not a one-time sale.
- Keep more of your money. Even a small rate drop can add up to hundreds or thousands saved over time.
- Local specialists, real support. Our loan team helps you compare options and choose what fits your goals.
How It Works
- Step 1: Tell us about your current loan and vehicle.
- Step 2: Based on your goals, we’ll show you possible rates, terms, and payments.
- Step 3: Lower payment, shorter term, or both.
- Step 4: Once approved, we take care of the payoff and move your loan over smoothly.
Frequently Asked Questions About Auto Loan Refinancing
What does it mean to refinance an auto loan?
Refinancing replaces your current auto loan with a new one, ideally at a lower rate or with terms that better fit your budget. The goal is to save money, lower your monthly payment, pay off your loan faster, or a mix of all three.
When is the right time to refinance my vehicle?
It’s a good time to refinance if your current rate feels high, your payment is tight, your credit has improved since you first financed, or you took dealer financing just to get on the road. If you plan to keep your vehicle for a while, refinancing can create meaningful long-term savings.
Will refinancing change my monthly payment?
Yes, it can. A lower rate or longer term may reduce your payment, while a shorter term may raise your payment slightly but help you pay off the loan faster and save on interest overall.
What do I need to start a refinance application?
Helpful items include your current lender and payoff info, vehicle details (year, make, model, mileage, VIN if available), and your current rate and payment.
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Disclosures
Rates accurate as of 12/12/2025. Rates are variable and subject to change.
Payment example: A loan of $25,000 for 60 months at 6.85% APR will have a monthly payment of $493.26
All loans subject to approval. Minimum loan amount is $5,000.00. Rates based on credit worthiness, loan product, term of loan, and age and value of collateral. All rates, programs, restrictions, terms and conditions are subject to change without notice. Certain restrictions may apply. Membership required.
For terms and conditions, see the Truth-In-Lending Terms. Also see the Truth-In-Lending Disclosure.