Auto Refinance
Better rates means lower monthly payments
Take control of your auto loan today
Did you know that any auto loan can be refinanced at any time, without cost to you? Whether you’re looking to lower your monthly payments or shorten the term to pay off your vehicle earlier, we’ll help you spend less and live more.
Current auto loan rates
|
Model Year |
Maximum Term |
APR as low as* |
Payment per $1000 borrowed |
|---|---|---|---|
|
*APR = Annual Percentage Rate. 4.99% APR for up to a 65-month term and is based on your personal credit history. Other rates and terms available. 4.99% APR is for the purchase of a 2023, 2024 and 2025 model automobile. Payments reflect principal and interest only. A 65-month rate is payable in 65 monthly payments of $17.59 per $1,000.00 borrowed. Stated rates are .50% higher without automatic payment. Rates as of 12/5/2025 and are subject to change without notice. All auto loans will include an additional $41 VSI charge and a $5.00 Membership Account is required. |
|||
|
Model Year 2025 – 2023 |
Maximum Term 36 months |
APR as low as* 4.99% |
Payment per $1000 borrowed $29.97 |
|
Model Year 2025 – 2023 |
Maximum Term 48 Months |
APR as low as* 4.99% |
Payment per $1000 borrowed $23.02 |
|
Model Year 2025 – 2023 |
Maximum Term 65 Months |
APR as low as* 4.99% |
Payment per $1000 borrowed $17.59 |
|
Model Year 2025 – 2023 |
Maximum Term 75 Months |
APR as low as* 5.74% |
Payment per $1000 borrowed $15.90 |
|
Model Year 2025 – 2023 |
Maximum Term 84 Months |
APR as low as* 6.49% |
Payment per $1000 borrowed $14.84 |
|
Model Year 2022-2020 |
Maximum Term 48 Months |
APR as low as* 4.99% |
Payment per $1000 borrowed $23.302 |
|
Model Year 2022-2020 |
Maximum Term 65 Months |
APR as low as* 4.99% |
Payment per $1000 borrowed $17.959 |
|
Model Year 2022-2020 |
Maximum Term 75 Months |
APR as low as* 6.24% |
Payment per $1000 borrowed $16.14 |
|
Model Year 2019-2015 |
Maximum Term 65 Months |
APR as low as* 5.75% |
Payment per $1000 borrowed $17.94 |
Why choose Jeanne D’Arc for your auto loan
-
Borrow up to $100,000
Get into a car that works for you and your budget, with up to $100k in available loans.
-
Up to 125% financing
Don’t get bogged down by interest, with up to 125% financing based on NADA Retail Value.
-
Terms that fit your needs
A monthly payment you can handle, with terms that align with your life and financial situation.
-
No prepayment penalties
No prepayment penalties, because paying off your loan should be a celebration, not a burden.
-
No application fees
Don’t sweat the application process. No need to worry about hidden fees.
-
Skip a payment
Our Skip-A-Pay program allows you to skip one monthly payment on a qualifying loan, for when money gets a little tight.
Auto Refinance FAQs
Anyone who has an existing auto loan can refinance, regardless of whether that loan is with Jeanne D’Arc.
If your circumstances have changed, such as an increase in your credit score, or if you just want to lower your interest rate. There are many reasons to refinance. You can find out what the difference will be if you refinanced today with our auto refinancing calculator.