2 Minutes Could Save You Over $2,000.
There is No Fee to Apply!

You could save hundreds or even thousands of dollars on your auto loan!
Refinance today ... it's quick and easy!

Why you? Why us?

At Stellar Auto Loans℠, our simple, fee-free service pairs people like you with the single best financing source in your market. Our exclusive lenders have saved our customers an average of $101 per month when they refinanced their auto loan.

That's an average of over $1,200 in savings per year!

Average loan pay-off prior to SALrefi℠ $31,405
Average loan pay-off after SALrefi℠ $26,949
Average lifetime/total savings on automobile loan $4,456*

*Average lifetime savings based on loans refinanced between February 2017 and July 2018.

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Our Process

4 Simple Steps!

1. Apply
To begin the process of being qualified to refinance your auto loan, fill out our application in its entirety. We will contact you if any of the information is missing or appears to be incorrect.

2. Let us do the work
Once we have your application complete... sit back and relax, as we will work on your behalf to find the best auto refinance offer in our credit union network. And important to note, your name and contact information will not be forwarded on to multiple loan companies.

3. See your savings
3. After Stellar Auto Loans℠ determines the single best funding source for your needs, we will forward your application on to that credit union. They will reach out to you with loan rates, terms, and possibly additional information that may need to be provided. At this point, they will check your credit and help answer any questions you may have regarding rates, terms, etc.

4. Complete the loan
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.

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Do I Qualify?

You most likely qualify if the following are true:

Still not sure? Give us a call at 833-725-7334 (SAL-REFI), or email us at ask@salrefi.com for assistance.

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Customer Reviews

Portage, Indiana

"Recently, I refinanced my car from a 9.57% interest rate down to 2.99%! I am so happy to be saving almost $80 per month, and the process was really simple. What even made the experience better was when I found out I was their monthly winner — which means they will pay one monthly payment on my new auto loan. What great timing!"

Baltimore, Maryland

"My mom needed help buying a new house based on her current debt. I reached out to SALrefi to see if they could help her refinance her auto loan. Little did we realize that she could save close to $100 per month and she was able to finance her new home...we didn't think it was going to be possible. SALrefi was easy to work with and cared enough to help my mom in this situation. I would recommend anyone who needs extra cash, and less debt every month, to find financing with SALrefi."

Ardmore, Oklahoma

"I am so happy I was able to lower my APR from 10.5% down to under 6% when I refinanced. If I add up the savings, that is over $10,000 over the life of the loan...that’s a lot of money! Thanks so much for helping me save on my auto loan..."

Elgin, Illinois

"Stellar Auto Loans gave me step-by-step guidance on how to turn my clean title into cash when I needed it. The loan reps were great to work with and I would definitely recommend financing a car loan with them."

Rockford, Illinois

"I recently refinanced my vehicle and saved about $130 per month! It was a great experience, easy and was surprised at how much money I could save every month. That's like over $1500 per year - wow. Just for applying I was entered into a sweepstakes and was the lucky winner of $500. Another great surprise. Thank you, SALrefi!"

Phoenix, Arizona

"I received a letter in the mail suggesting I could save $87 a month on my car payment. My first thought was that's probably not possible, plus I've had some recent credit issues. Fortunately I was wrong. After spending a total of 15 minutes on the phone completing an application with one of their loan specialists and waiting overnight for a decision, I actually saved $1,044 annually. Simple process and great people to deal with!"

Oklahoma City, Oklahoma

"I got a call from a nice young man that said he could save me money on my truck loan. I frankly didn't think I could, hoping I had gotten a great deal on my original loan. So I said I have two trucks, save me money on both. That's exactly what they did. I save a total of $101 a month on my two loans combined."

Baltimore, Maryland

"I was within a week of my daughter going away to college in Michigan and was looking for a new Jeep. I had just received a letter about financing one of our other cars and called the toll-free number listed. I told them I had been offered an interest rate of 3.99% and asked if they could help. That was Thursday afternoon. Two days later on Saturday morning I took my daughter down to the Jeep dealership to pick up her new Jeep. They had already received the check from the credit union and my new interest rate was 2.49%. The credit union is in Chicago and I actually bank there now."

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Frequently Asked Questions

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.
The loans are funded through a network of our partner credit unions.
All credit scores are welcome! In fact, our credit union partners often find more savings for those with less-than-perfect credit. Apply now to see what your savings might be every month.
  • Vehicle
    • Model year
    • Vehicle Identification Number (VIN)
    • Mileage
  • Driver's License
There is no fee to apply.
  • Those aged 21 years old or older.
  • Be a resident of the United States (a US citizen or resident alien or non-resident alien) and eligible to be a member of our credit union partners.
  • 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.
Read more in our Do I Qualify? section.
We will review your application to determine whether you pre-qualify with no impact to your credit score. If you pre-qualify, you will be able to see your estimated monthly payments, term and APRs to help you determine if refinancing is right for you.
Typically, there are no out of pocket expenses. You may have an option to put cash down to qualify to refinance.
There are NO pre-payment penalties.
GAP (Guaranteed Asset Protection) insurance is an optional, add-on car insurance coverage that can help certain drivers cover the "gap" between the amount they owe on their car and the car's actual cash value (ACV) in the event of an accident. A car's actual cash value is the car's monetary value at the time of the accident, not the car's original price.
GAP insurance is associated with a specific auto loan. It can't be transferred or reassigned to another loan, even one that covers the same vehicle. When you refinance, your loan is paid off and your GAP coverage ends. Typically a prorated refund is issued from the provider for the remaining GAP insurance term. For peace of mind, and to ensure you are protected from a large deficient balance should a total loss event occur, you'll want to purchase a new policy.
We make refinancing as easy as possible for you! Learn more about our process.

Once your application is submitted to the credit union you will typically receive a decision in as little as 24 hours.
Stellar Auto Loans℠ takes the security of your personal information seriously. Please review our privacy policy for details.
Your offer expires 30 days after you pre-qualify. You may use your offer up to the expiration date. If your offer expires before you are ready to refinance your vehicle, simply re-submit a pre-qualification application to check your eligibility for a new offer.
You are not required to extend your loan beyond your current term. In some cases, this might be required if your pay-off is small or if you are trying to maximize your monthly savings.
In most cases, we can do everything online, via email and phone! A few exceptions may exist depending on your personal circumstances.
If you would prefer to meet with someone in person please give us a call at 833-725-7334 (SAL-REFI) to determine if that is possible.

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Start Your Application:

We hope you find our application easy, but we're happy to help if needed—give us a call at 833-725-7334 (SAL-REFI) or email us at ask@salrefi.com.

It typically takes from 5 to 8 minutes to complete our application.

Take a moment to scroll through the form below to see what you'll need—for example:

If you are unsure or have any questions, don't hesitate to give us a call at 833-725-7334 (SAL-REFI)!

First, the basics:

If you've already received a promo code, enter it here.
First name is required.
Last name is required.
Be sure to include area code (example: 555-555-5555). Phone number is required.

Your Home Address:

Your ZIP code is required.

Next, the specifics:

Your Income, Credit, and Expenses:

All credit scores are welcome!
Examples are credit card, student loan, second vehicle, etc.

Your Vehicle:

What's this? VIN, or Vehicle Identification Number, is a 17-character code that uniquely identifies your vehicle. It can be found on your insurance card or vehicle registration, or on a panel on your vehicle—either under the driver's-side windshield, or a panel on a driver's side door.
VINs don't match.

Your Current Loan:

What's this? The current lender (often a bank or credit union) who is financing this loan.
If you know your current rate, enter it here.

Your Employment:

And Finally:

This webpage is being secured using SSL/TLS encryption provided by your browser. Your information will be encrypted when using this form while in transit between your browser and Stellar Auto Loans℠.

SSN is invalid.
SSNs don't match.

By clicking Submit below, I certify that everything I have stated in this application is correct. Stellar Auto Loans℠ or your designated lending partner may keep this application whether or not it is approved. By submitting this application I authorize Stellar Auto Loans℠ or its lending partners to verify the information I have submitted and obtain my credit report. I understand that I must update credit information at the request of either Stellar Auto Loans℠ or my assigned lending partners if my financial condition changes.