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I want to refinance my car.
Rates as
low as
Refinance your loan from another lender and save!

For a limited time, we'll match your current lender's rate and knock off .50% more to a rate as low as 2.69% APR. Or choose your best qualifying rate at SAFE, whichever is lower*.


When you refinance your used car, truck, or SUV at SAFE, you'll get a great deal. Our Auto Loan Refinance Program offers:

  • Zero down payment
  • Terms up to 84 months1
  • Competitive rates
  • No payments for 90 days2
  • Skip-a-pay - defer up to two payments during the life of the loan3

Take advantage of our low rates, flexible financing, and exceptional service today!

1 Annual Percentage Rate (APR) accurate as of 1/1/2016. All loans subject to credit approval and membership eligibility. 2.69% APR only available on terms up to 66 months. Payment on a $25,000 loan at 2.69% APR for 66 months is $407.92. Up to 120% financing. Rates and terms may vary and are based on credit history, term, loan-to-value (LTV), and amount financed. Rates, terms, and conditions subject to change. 2 Finance charges begin accruing upon loan disbursal. See SAFE for terms and conditions. 3 Finance charges will continue to accrue during the skip-a-pay period. Skip-a-pay option may extend loan term. Other restrictions may apply.

Protect your auto from life's surprises with Guaranteed Auto Protection (GAP), Auto Insurance, and SAFE Payment Protection.

  • Guaranteed Auto Protection (GAP)
    • Do you have enough insurance to protect you if your car, truck, van, or SUV was stolen or totaled in an accident? If not, you may be faced with an expensive gap between what your vehicle is worth and what you actually owe.
  • SAFE Payment Protection
    • SAFE Payment Protection helps relieve the financial stress and worry related to making loan payments if your life takes an unexpected turn.
  • Auto Insurance
    • At SAFE, we want to make it easy and cost-effective for you to protect what's essential. Your vehicles are important investments, so make sure that they are well-protected. Our trusted partner, Apollo Insurance Services is committed to helping you find the coverage to fit your needs, at a price that's right for you.

Ready to buy a new or used car, truck, or SUV?

SAFE is committed to helping you find just the right vehicle for your lifestyle! You can find tutorials on each step to buying a new or used vehicle. These tutorials will help you decide how much to spend, the value of your current car, and then guide you to find the vehicle you want. You can also determine a fair price and apply for a loan with SAFE. All the information you need is just a click away.

Click on the links below to research, shop, and buy vehicles, plus find the value of your current car, check your credit report, and calculate everything from how much you can spend on a vehicle to the amount of your monthly payments.

Determine how much you can spend with our calculator:

* Offer not eligible for refinancing of existing SAFE loan. 2.00% minimum APR. Requires minimum loan balance of $10,000 or $15,000 based on loan term selected. Rates, terms, and conditions subject to change.
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