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Refinance your car loan with ease

Shift into savings gear and get auto refinancing with triple the perks!

Apply for my refi

Auto Three-Fi™: Three perks for you

wallet with cash inside
Up to $500 cash back¹
Rates as low as {rate-token-1}% APR²
90 days to first payment³
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Get more with Relationship Rewards

Relationship Rewards is a free program you're automatically enrolled in when you become a member. You earn points for doing various banking activities with us – and every point can help you level up! The higher your Relationship Rewards level, the more benefits you get.

Refinance your car loan in 3 steps

Apply for your loan.
You’ll need to know the year, make, model, VIN, mileage and estimated payoff amount.
Provide more information.
We’ll need some details like insurance and payoff information.
Sign and enjoy!
 Sign at a branch or online via DocuSign, then enjoy your new loan rate.
Apply now

What auto borrowers are saying

"Working with Alexander was very easy! He was kind, courteous and extremely professional. He's been forthright and honest with the entire process."
Harrison S.

Estimate your monthly payment

Monthly Payment
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Monthly payment estimates received from this calculator are designed for comparative purposes only, are not guaranteed and do not represent a financing offer. Actual payment may be greater.

FAQs about auto refinancing

Does Desert Financial pay my loan off?

Yes. After signing your refinanced loan documents, Desert Financial will send a check to your current lender to pay off your loan.

When do I stop making payments to my old lender?

Continue to make payments on your old loan until you receive confirmation from the lender that the loan has been paid off.

Do I need to contact my auto insurance provider to notify them about the refinancing?

Yes. You’ll need to contact your insurance provider to change the lienholder to Desert Financial.

What is auto pay?

Auto pay is an optional, automatic loan payment withdrawn from your Desert Financial checking, savings or money market account on the same day each month.

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Cashback offer is only available for the refinancing of non-Desert Financial auto loans with a minimum refinanced amount of $10,000. Amount of cash back is calculated based on 1% of the total loan amount financed, not including amounts financed for purchased ancillary products such as Guaranteed Asset Protection (GAP) and Mechanical Breakdown Protection (MBP). Maximum cashback amount is $500. Cash back will be deposited into the primary borrower’s Desert Financial Membership Savings account within one business day of the loan funding. Cashback amounts are subject to all applicable taxes and are the responsibility of the recipient. Offer subject to change.

Annual Percentage Rate (APR) shown effective {current-date}, and is subject to change without notice. “As low as” rate assumes excellent borrower credit history. Actual rates and APRs dependent upon borrower(s) credit qualifications. Additional rate discounts may apply. Visit our rates page for additional information and details.

90 Days to First Payment option applies to qualified auto refinance loans only and does not apply to the refinancing of an existing Desert Financial auto loan. Maximum refinance loan term of 75 months applies. First payment will be due no later than 90 days from the loan closing date; finance charges will accrue on unpaid principal while payment is deferred. Offer subject to change.

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