再融资是一个很好的方式来改变你目前的汽车贷款条款, 这可以帮助你降低年利率. 较低的年利率对你来说意味着每月的储蓄，你可以腾出现金用于其他开支.
再融资可以帮助你降低当前的利率和长期支付的利息, while also lowering your car payments.
你可能会惊讶地发现，你也可以从你的汽车权益中获得现金回报. 借到你的车的凯利蓝皮书价值的100%用于你的财务需求.
On average, our members save nearly $1,通过向我们提供汽车融资，他们的贷款期限为800美元，现在轮到你存钱了.2
你是否最近买了一辆车，想找到更实惠的条款, 或者在其他地方获得利率更高的汽车贷款, 再融资可能是适合你的解决方案.
Check your rate and pre-qualify within minutes
Calculate your potential savings side-by-side
锁定您的利率高达15天-保证3
免申请费，免发起费，免预付款
会员可以通过LevelUp享受折扣4
从你的汽车价值中借钱来满足你的财务需求
Rates Effective 12/22/2023
| Term | Minimum Amount | APR Range1 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| 17884 | 0 to 48 months | None | 7.19% to 17.99% | 7.19 | 22/12/2023 | 5 | 17.99 | 0‑48 months: $24.11 per month per $1000 borrowed at 7.19% APR for 48 months; 49‑66 months: $18.50 per month per $1000 borrowed at 7.29% APR for 66 months; 67‑72 months: $17.34 per month per $1000 borrowed at 7.49% APR for 72 months; 73‑84 months: $15.61 per month per $1000 borrowed at 7.94% APR for 84 months. | ||
| 17887 | 49 to 66 months | None | 7.29% to 17.99% | 7.29 | 20/10/2023 | 6 | 17.99 | |||
| 17891 | 67 to 72 months | $10,000 For 72 Month Term | 7.49% to 17.99% | 7.49 | 20/10/2023 | 7 | 17.99 | |||
| 17895 | 73 to 84 months | $15,000 For 84 Month Term | 7.94% to 17.99% | 7.94 | 20/10/2023 | 8 | 17.99 |
汽车贷款再融资是当你拿出一笔新的汽车贷款来偿还你现有的汽车贷款.
为汽车贷款再融资似乎不像为抵押贷款再融资那么普遍, but it has big benefits worth exploring.
甚至不仅仅是节省你的付款或利率, 有时延长或缩短你现有的贷款期限是有益的. 这取决于你目前的贷款进行到什么程度, 更短的期限和更低的利率可以帮助你更快地还清贷款. 期限越长，每月还款额就越少, 如果你要应付多种开支，让你的预算更容易.
是的，但这取决于你目前欠了多少钱和你的车的估计价值. 在大多数情况下，你可以借到汽车价值的100%，用这笔钱来支付其他费用，比如高息债务.
1 Used Auto rates starting at 7.19% APR effective 12/22/2023; subject to change without notice. Patelco根据信用记录等因素提供一系列基本利率和折扣, loan term, Patelco account relationship, vehicle mileage, amount financed and vehicle age. Additional discounts may apply. 车辆行驶里程超过10公里将包括额外费用 .50% added to rate. 实际利率在贷款完成前以书面形式向获批准的申请人披露，实际利率可能高达17%.99% APR. 要了解有关费率、条款和会员独家折扣的更多信息，例如 Commitment Household, call 800.358.8228 or visit any Patelco branch.
Used Auto loan payment examples: 0‑48 months: $24.11 per month per $1000 borrowed at 7.19% APR for 48 months; 49‑66 months: $18.50 per month per $1000 borrowed at 7.29% APR for 66 months; 67‑72 months: $17.34 per month per $1000 borrowed at 7.49% APR for 72 months; 73‑84 months: $15.61 per month per $1000 borrowed at 7.94% APR for 84 months.
2 Source: Datatrac, NCUA, and CUNA. 该研究由全国信用合作社协会(CUNA)于2021年底完成. CUNA estimates that financing a $30,在Patelco购买60个月的000辆新车将为会员平均节省1美元,780 over five years, or $356 each year, 与他们在加州另一家银行机构支付的费用相比. Member results may vary. Subject to approval.
3 汽车贷款利率从贷款批准之日起15天内有效. 任何期限和/或车辆信息的更改, credit history, account relationship, 和Patelco促销折扣或计划可能会导致价格变化. 您的最终费率将以书面形式向您披露.
4 LevelUp提供给获得Patelco信用等级2级或以上以下贷款批准的会员, motorcycle, RV, boat, and personal loans, excluding all lines of credit. Total discount of up to 1.50% APR(年度百分比率)适用于2010年.每连续12个月按时付款，年利率增加50%. 最高折扣永远不会导致最终年利率低于融资时特定贷款和期限的LevelUp最低利率. Monthly payment amount remains constant, 还有额外的钱用来支付本金, 哪一种会缩短贷款期限和在贷款期内支付的总金额.
5 Patelco运行一个“软”信贷拉动来确定你符合资格预审的条件. This doesn’t affect your credit score. 如果您选择继续进行贷款申请, Patelco将要求您从一个或多个信用报告机构获得完整的信用报告. 这将是一个“硬”拉，可能会影响你的信用. If necessary, 我们也可能与第三方分享您的某些信息, like our insurers, to process your request.
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