Your car powers everyday moments and big milestones. We take the time to understand your goals and match you with an auto loan that fits your life

Auto Loan Refinancing

Lower your payment—or make your loan fit your life better

If your current vehicle loan no longer feels like the right fit, refinancing could help reduce your monthly payment or better align your loan with your goals. We’ll walk through your options together, so you can decide what makes sense.

 

Allegacy offers refinancing up to 100% of the current retail value of your car if it has fewer than 100,000 miles – and most loan approvals are good for 60 days. If you are refinancing an existing Allegacy loan, at least $1,000 in new funds is required. Our team is always happy to talk through the details with you.  

Get started
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Securing a vehicle loan is simple

Applying for a vehicle loan is straightforward. Gathering a few details ahead of time helps us move efficiently and keeps the process stress-free.

01
Check eligibility

To apply, you must be 18 years of age or older, unless applying through a Student Run Credit Union or for a Beginner's Best Savings account with a parent or legal guardian

02
Gather your information

Have your Social Security Number or Individual Taxpayer Identification Number, along with a valid, unexpired government-issued ID. You’ll need routing and account information for electronic transfer—or debit or credit card details if funding by card. Any joint applicant will need to enter and validate their information. 

  

03
Review and approval

When you submit your application, our team reviews the details to make sure everything aligns with your request. Once approved, we’ll walk you through the final details and next steps, so you know exactly what to expect before funds are made available.

Your questions, answered

Allegacy offers financing for a wide range of vehicles, including new and used cars, higher-mileage vehicles, and recreational vehicles like boats, motorcycles, and RVs. If you’re unsure whether a specific vehicle qualifies, we’re happy to talk it through with you.

Yes. If you have an existing auto loan—whether with another lender or elsewhere—you may be able to refinance with Allegacy. Refinancing can help lower your monthly payment, adjust your loan term, or better align your loan with your current goals.

Yes, we do. Our extended mileage loans are designed to help make financing more accessible for vehicles with higher mileage, so you can purchase confidently without unnecessary barriers.

Timelines can vary depending on the information needed, but our goal is to keep the process straightforward and efficient. Having your documents ready helps move things along, and we’ll keep you informed at each step.

Yes. Allegacy Financial offers vehicle loan preapprovals, and they’re valid for 60 days.