Rates as low as 5.74% APR1 + Delay your first payment for 60 days2
Keep your car. Get a better loan. Earn $300.
Love your car, but hate your car payments? Refinance with our great rates as low as 5.74% APR and flexible term options up to 84 months.
For a limited time, you’ll earn $3003 by bringing your existing car loan of at least $10,000 to Ardent from another lender and paying your loan from an Ardent checking account.
Refinancing made simple:
- Simple application with no origination or application fees
- Same-day application approvals in most cases
- Refinance at any time - Day 1 of your loan or years later
- Delay your first payment for up to 60 days
Why refinance your ride?
Refinancing is all about making your car loan work better for you, whether you’re looking to save on interest payments, lower your monthly payment or pay off the loan in a different timeframe.
Lower your rate: Avoid overpaying for your car loan. You may be able to lower your APR with our great rates as low as 5.74% APR. A lower APR could help you lower your monthly payment or pay less in interest over the life of your loan—saving you money.
Change your repayment term: Choose from loan terms up to 84 for months to match your financial goals. Combined with our competitive APRs, this could help you pay off your loan in less time—or, choose a longer term to add more room in your budget.
Don’t miss your chance to get a $300 cash bonus. Refinance your auto loan today and hit the road happier.
Don't delay! This offer expires May 31, 2025.
RATES AS LOW AS
5.74%
ANNUAL PERCENTAGE RATE
FAQs
Yes, you can add a co-borrower. The co-borrower does not need to be on the vehicle’s title.
Before a loan can close, you will need to show a valid driver’s license, proof of insurance and bill of sale (new purchase) or payoff letter (refinance).
No, you can pick from the available terms for your car’s model and loan amount.
You can do a lease buyout, which converts your lease into a purchase. Unlike a normal refinance, a lease buyout requires you to pay sales tax, since the vehicle isn’t already in your name.
Unlike a home, you do not need to have your vehicle appraised. We use J.D. Power Clean Retail (Used Auto) or MSRP (New Auto) to determine the vehicle’s value.
There is no application fee.
Unlike a mortgage, there are no fees associated with refinancing a car loan.
It’s possible to refinance the day after getting your initial car loan. In most cases, you don’t need to wait days or months to refinance since pre-payment penalties for car loans are rare. Even if you are led to believe there is refinancing waiting period, check your loan agreement to verify.
Refinancing may have a small impact on score, because Ardent will need to pull your credit report. However, you are not changing the amount you owe, so your score should rebound quickly—as long as you continue to make on-time payments.
1APR = Annual Percentage Rate. Rates are subject to change at any time. Ardent has a tiered rate policy which applies different interest rates to borrowers based on loan term and creditworthiness. Credit and collateral are subject to approval. This is not a commitment to lend. New auto is defined as a current (2025) or previous (2024) model year with 5,000 miles or less. Loan example: Four-year new auto loan at 5.74% APR would result in 48 monthly payments of $23.38 per $1,000 borrowed.
260-day Loan Payment Deferral Option: Borrower's first payment can be made up to 60 days after the loan book date. Interest will accrue during the 60-day payment deferral period and will be collected with the first loan payment.
3Offer expires May 31, 2025, but may end at any time. Auto loans currently financed with Ardent are not eligible for the promotion. Minimum refinance amount is $10,000 to be eligible for the $300 bonus. Application must be submitted prior to the deadline and the loan must fund within 30 days to receive the bonus. The $300 bonus will be paid into the Ardent checking account within 45 days of the first scheduled loan payment being made. A scheduled payment is an automated transfer set up to pay the loan directly from an Ardent checking account. The scheduled loan payment must occur within 90 days of the loan book date to receive the bonus. The membership must be in good standing and the loan must be current to receive the bonus.