Refinance Your Auto Loan

Get a .50% APR discount on your auto refinance with SELCO when you refinance a loan from another financial institution.

Refinance rates as low as 4.74% APR

Bring your auto loan to SELCO from another financial institution and get an additional 0.50% APR discount* on our lowest available rate plus additional benefits.

Rates as low as 4.74% APR* for borrowers with 75% or lower loan-to-value (LTV).
Rates as low as 5.24% for LTVs above 75%.
No payments for 90 days.
Up to $200 toward your title fee.

Apply to Explore Options View Auto Refi Rates

*Membership and loan qualifications apply. Rate discount of 0.50% APR only available on vehicle loans from other financial institutions refinanced at SELCO (existing SELCO loans not eligible). Loan-to-value must be 75% or less, and vehicle must be no older than 20 years and have no more than 150,000 miles. Cannot be combined with any other discount or promotion. Offer may end at any time.

Find your car's loan-to-value (LTV) ratio

Your car's LTV compares your car's current value against how much you have left on your loan. If your LTV is 50%, that means your loan balance is equal to your car's value. To calculate your LTV, you need to know:

Your loan balance
Your car's value (which you can find using Kelley Blue Book)

Then, simply divide your loan amount by your car's value for your LTV. (For example, loan balance of $10,000 ÷ by car's value of $25,000 is .4—or 40% LTV.)

SELCO Auto Loan Review

If your credit score has improved or your financial situation has changed, it may be a good time for a free review your existing SELCO auto loan. Our experienced loan officers can evaluate your current loan and identify opportunities to lower your rate, reduce your monthly payment, or save money over the life of your loan.