The Fast and Easy Way to Save Money

SALrefi makes it easy to finance or refinance your auto loan. Our qualifying customers could save thousands of dollars off their loan balance!

Why Refinance with SALrefi?

At SALrefi (Stellar Auto Loans Refinance), 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 $103 per month when they refinanced their auto loan.

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

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
  • You are currently employed and your vehicle is primarily for personal use
  • Have an auto insurance policy in good standing
  • Your vehicle is titled in your name
  • Your monthly bills are not higher than your monthly income

Still not sure? Give us a call at 833-725-7334 (SAL-REFI), or email us at [email protected] for assistance.


“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 January winner — which means they will pay one monthly payment on my new auto loan. What great timing right after the holidays!”


Portage, Indiana

“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.”


Baltimore, Maryland

“I received a letter in the mail suggesting I could save $87 a month on my car payment. I thought “that’s not possible, especially with my credit”. 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!”


Phoenix, Arizona

Frequently Asked Questions

Is there a fee to apply?

There is no fee to apply.

Who is funding the loan?

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

Is my personal information secure?

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

What if I don't have excellent credit?

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.

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.

What additional information do I need?

Driver’s License & Vehicle – Model year, Vehicle Identification Number (VIN), and Mileage.

Will I need to put cash down?

Typically, there are no out of pocket expenses. You may have an option to put cash down to qualify to refinance.

Will I need to visit a branch?

In most cases, we can do everything online, via email or phone! A few exceptions may exist depending on your personal circumstances.

Do you have a branch near me?

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.

What is the overall refinance process?

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

How long does the refinance process take to complete?

Once your application is submitted to the credit union you will typically receive a decision in as little as 24 hours.

Do I have to extend the term of my current loan?

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.

Once I am prequalified, when does my offer expire?

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.

What does pre-qualification mean?

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.

What are the vehicle requirements?

Read more on our “Do I Qualify?” page.

Are there any pre-payment penalties for paying off my loan early?

There are NO pre-payment penalties.

Will my GAP insurance stay in effect after I refinance?

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.

What is GAP insurance?

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.

Complete the Application

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

Apply Now →

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