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Auto Refinancing

Refinance & Save

Refinance Check the Rates

Refinance Your Auto Loan
lower your payments

think you’re paying too much on your existing auto loan?

Give your loan a lift and refinance with Charlotte Metro to lower your existing rate from another institution by up to 1.50% APR1!

Why does it matter? This means lower monthly payments and less total interest you'll pay over the life of your loan. And the best part - it’s at no additional cost to you!

Refinance Your Auto Loan
how it works

hassle-free refinancing

check the rates

how much could you be saving?

Refinance your current auto loan and get a rate reduction up to:

APR1 on loans up to $24,999
APR1 on loans above $25,000
not sure what to do?

new purchase vs. refinancing

Not sure if a new purchase or a refi is right for you and your current financial situation? Ask yourself these questions. Oh - if you do purchase a new (or new to you) vehicle, you can always refinance your auto loan with Charlotte Metro and receive the same great rates!

do you love your current vehicle and is it in good condition?
are you looking for ways to lower your monthly payments?
has your credit improved since the last time you purchased a vehicle? Why does this matter? If your credit has improved, you'll likely be able to qualify for a better interest rate, meaning lower monthly payments!
do you have a growing family, new job and / or commute, or another reason you need a different vehicle?
are you prepared to pay up-front costs like dealer fees and sales tax?
learning & guidance

looking for more ways to save?

ok, so here's the fine print:

Let's Get Started

refinancing your auto loan

i'm a member

Already a member? Follow these simple steps to apply for your auto loan.

  • Log in to Online Banking
  • Navigate to the Loans tab
  • Select Apply for a Loan in the dropdown menu to get started

Log In

i'm new here

Here’s what you’ll need to get started:

  • Proof of Identity (current driver’s license or state-issued ID)
  • Social Security Number
  • A minimum opening balance of $5
  • The routing number and account number of a valid checking account, debit, or credit card

Apply Now