Loans from
$5,000 – $19,999
0.25% rate reduction
or
$100 cash back
Your Auto Loan, Your Way.
Apply NowYour Auto Loan, Your Way
Choose From Cash Now or a Lower Rate!*
Loans from
Loans over
$20,000
0.50% rate reduction
or
$200 cash back
You already have the car – now it’s time to get a better deal on the loan.
Whether your rate is too high or you just want a little extra breathing room in your budget, refinancing with U.S. Eagle is the smart move.
Your next auto loan should fit your lifestyle—not the other way around.
How It Works
Refinance your auto loan of at least $5,000 from another financial institution.
Choose your perk – rate reduction or cash back*
(Automatic payments must be established from a U.S. Eagle Perks® or Perks® Plus Checking Account for the cash back option)
Don’t have a Perks account?
It’s easy to open – and so worth it!
Perks® Checking Account
Save on the things you already buy with Mobile Phone and ID Theft Protection, BillShark, and local savings.
Learn MorePerks® Plus Checking Account
Get everything you would with the Perks®, plus Pet Insurance discounts and dividends.
Learn MoreApply now and drive your way.
Learn More
*Refinance for used autos (2026 or older) only, $5,000 loan minimum. One cash bonus or rate discount per vehicle VIN and social security number. Must be a new loan to U.S. Eagle for primary vehicle owner and not a refinance of an existing U.S. Eagle auto loan. Cash bonus or rate discount cannot be combined. Cash bonus available by establishing monthly auto pay from U.S. Eagle Perks or Perks Plus Checking account at time of loan funding. $25 minimum opening deposit for new checking account and $5 member savings share deposit required for membership qualification for both checking and loan products. Monthly fees apply for checking: Perks Checking - $7.50, Perks Plus Checking - $10.00. Monthly fee waived for Perks Plus if $5,000 monthly average balance maintained. Cash bonus credited to primary member share account within thirty (30) days after first auto payment from checking account. Payment examples $20,000 loan, 2026 model vehicle with rate discount (.50%) option: 5.74% APR (Annual Percentage Rate) for 66 months is $354.09 per month with $3,370.24 interest paid. 84 months at 6.24% APR is $294.48 per month with $4,736.12 interest paid. 1% APR rate addition for vehicles with 100,000 or greater mileage. All loans subject to approval and your credit score may impact interest rate. Offer available thru 7/31/25. See U.S. Eagle for details.