A Few Minutes Could Save You Over $1,200 a Year!

There’s no fee to apply!
Fill out our application online or over the phone, it’s that simple!

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Easy to Complete.

No Fee to Apply!

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Average Savings:


Refinance your current loan or finance a new auto loan. It’s quick and easy. 

Complete your loan application in four easy steps!


To begin the process of being qualified to finance or refinance an auto loan, fill out the entire application. We will contact you if any of the information is missing or appears to be incorrect.


Once we have your application complete… sit back and relax, as we will work on your behalf to find the best auto finance or refinance offer in our credit union network.


After Stellar Auto Loans℠ determines the best funding source for your needs, we will forward your application to that credit union. Then, they will reach out to you with loan rates, terms, and any other information you may need. They will also check your credit and answer any questions you may have. 


Upon YOUR approval of the rates and terms, any additional information needed to complete your loan will be collected at that time. Once finalized with the credit union, all you need to do is enjoy the extra money in your pocket every month.

Do I Qualify to Refinance My Auto Loan?

You most likely qualify if the following are true:

  • Your vehicle is not more than 6 years old and in good condition
  • Your auto mileage is currently 120,000 miles or less
  • Your existing loan balance is $7,500 or greater
  • Have a minimum of 18 months remaining on existing loan

Skip Two Payments? Yes Please.

You may be qualified to skip up to two payments before your first loan payment is due. Complete our application to learn more.

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Frequently Asked Questions

Who is funding the loan?

The loans are funded through a network of our partner credit unions.

Who is most likely to benefit from refinancing their auto loan?

Anyone with an auto loan that meets these general qualifications. In most cases, if you financed through a dealership you will probably save a significant amount by refinancing.

Who is eligible to refinance a vehicle?

Those age 21 years old or older. A US citizen or resident alien or non-resident alien and eligible to be a member of our credit union partners. Must provide proof of identity. At least one applicant or borrower must be listed as a registered owner on the title and registration.

What is the overall auto refinance process?

We make refinancing as easy as possible for you! Learn more about our process.

Is my personal information secure?

Stellar Auto Loans℠ takes the security of your personal information seriously. Please review our privacy policy for details.

Complete the Application

Our customers save an average of $103 a month. See how much you could save!

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