Auto Loan Refinance

Take Control of Your Payments

Refinancing your car can help you save money by lowering your rate or monthly payment. It’s also a great way to adjust your auto loan term to better fit your budget. With a quick refinance, you can take control of your monthly payment and keep more money in your pocket.

For example, a monthly payment for an auto loan of $25,000 for 75 months at 4.89% APR could be as low as $388.¹ Helping you save more each month while driving the same car you love.

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Benefits of Refinancing

Lower Monthly Payment

You could save more each month with a lower rate.

Flexible Terms

With our flexible terms you could get the rate you’re looking for.

Personal Service

Our team is ready to help find a refinancing option that suits you.

Calculate Your Monthly Payments

Use our calculator to estimate your new monthly payment. Lower your rate, reduce your payment, or pay off your loan faster.

Start Calculating

Your Auto Loan is Just a Few Clicks Away

AllSouth members can easily apply for a loan through Online and Mobile Banking. Not a member yet? No problem, it’s simple to open an account online.

Step 1: Become a Member

Open an account with AllSouth to apply for your loan. A Membership Savings account is the account that establishes your membership.

Step 2: Submit Your Application

Log in to Online or Mobile Banking and complete your auto loan application. It’s fast, secure, and your information will be pre-filled.

Step 3: Get Approved and Drive Away

Get a decision within one business day. Once approved, sign your documents and enjoy your refinanced ride.

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Easy Loan Payments

With Online and Mobile Banking, it’s easy to make loan payments from your AllSouth accounts or accounts at other financial institutions.

What AllSouth members are saying about their experience...

It was very easy and fast. Will most definitely use them in the future for all my auto needs. Highly recommend them.

– Annette T. (2025)

I thoroughly enjoyed my auto loan experience. The lenders were knowledgeable & friendly throughout the process and I would definitely recommend.

– LaTonya M. (2025)

Great service,Great staff I have a car loan with them and I haven’t any problems with their service.

– Margaret B. (2025)

FAQs

Does my credit score matter?

Yes, it matters! Your credit score is a reflection of how much risk you present with paying off debt. It helps us determine the interest rate you’ll pay to finance the car loan. If you have a higher credit score, you may be offered a lower interest rate. On the flip side, if you have a lower credit score, you may have a higher interest rate. Before you start shopping for a new car, review your credit report to see where you stand. If you need to improve your credit score, allow yourself some time to work on improving it before purchasing your car. You can get a free copy of your credit report from each major credit bureau (Experian, Equifax, and TransUnion) simply by visiting AnnualCreditReport.com.
How do I make a payment?

We have several ways to pay your loan including through Online and Mobile Banking and our Online Payment Service. To learn more about payment options, view our Make a Payment page.