Let’s Lower Your Monthly Payment
Auto loans, like any kind of personal loan, can be a big commitment. But just because you applied for an auto loan somewhere else doesn’t mean you can’t shop around for a better deal elsewhere, even on your existing loan.
When you refinance an auto loan, you take out a new loan in the amount of your existing car loan to pay it off. However, your new loan will have a much lower interest rate and much more favorable payment terms, allowing you to actually save money in the long run, even on a loan for the same amount that you owed previously.
Best of all, they’re easy to apply for! Did you know you can refinance an auto loan at Genisys? Don’t stay stuck in a high rate dealer or bank loan you didn’t really want! Bring your car loan from a different financial institution to Genisys and see if we can lower your payment with our competitive rates and convenient terms. Be sure to use our Auto Loan Refinance Calculator to see just how much money we can save you.
New Auto Loan Rates & Used Auto Loan Rates (By Model Year)
Effective Date: Thursday, December 12th, 2024
| Model Year | APR as low as* | Maximum Term |
| 2022 and newer |
4.99% |
up to 48 months |
| 2022 and newer |
4.99% |
up to 60 months |
| 2022 and newer |
4.99% |
up to 75 months |
| 2022 and newer |
5.74% |
up to 87 months** |
| 2018-2021 |
5.74% |
up to 60 months |
| 2018-2021 |
5.74% |
61-72 months |
| 2020-2021 |
5.74% |
73-84 months*** |
| 2015-2017 |
6.99% |
up to 60 months |
| 2014 & older |
7.49% |
up to 60 months |
Enjoy no payments for 90 days for borrowers with excellent credit2 Apply Online Auto Calculators *Annual Percentage Rate (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Approximate monthly payment would be $15.55 per $1,000 borrowed at 4.99% for 75 months.
**87 month term requires minimum financed amount of $25,000.
***73-84 month term requires minimum financed amount of $25,000. 290 days no payment offer available to credit scores of 660 and higher. Interest accrues during the deferral period. |
Enjoy no payments for 90 days for borrowers with excellent credit2
*Annual Percentage Rate (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Approximate monthly payment would be $19.28 per $1,000 borrowed at 5.89% for 60 months.
**73-84 month term requires minimum financed amount of $25,000.
290 days no payment offer available to credit scores of 675 and higher. Interest accrues during the deferral period.
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