Refinance & Save

If you recently purchased a vehicle through a dealer or another financial institution and want to lower your rate with us,  we're happy to help! It usually takes about 3 - 6 months after purchasing before you can refinance since the paperwork needs time to process. 

If you have questions about your specific situation, use the Contact Us form below and we can chat! 

Absolutely nothing! If you have an existing auto loan with another financial institution, you can refinance with Skyla at no additional cost to you. 

When you refinance with Skyla, we can save you up to 1% APR¹ on your current loan! This means you'll have a lower monthly payment and will pay less interest over the life of the loan.

current USED AUTO LOAN rates

4.99% APR¹ for 0 - 48 months
5.50% APR¹ for 49 - 60 months
6.25% APR¹ for 61 - 72 months

Skyla reserves the right to change, rescind or make you another offer upon satisfying additional criteria, including income, employment, and any other information required.

*Interest will continue to accrue on the loan balance during the 90-day deferral period. The loan maturity date will not extend an additional 90-days and your balance will still be due at the agreed upon maturity date. Offer only valid on auto loans approved between October 1, 2024, and March 31, 2025. Loans currently financed at Skyla are not eligible. Promotion is subject to change at any time.

¹APR=Annual Percentage Rate. Please review our current rate list for the lowest Steal the Car Loan rate available. Rates shown are for qualified borrowers only. Approved loan rate cannot be lower than .50% lower than our lowest rate. Existing Skyla auto loans are not eligible. Restrictions apply.

²APR=Annual Percentage Rate. Please review our current rate list. Rates shown are for qualified borrowers only.

³ To be eligible for Skip-A-Pay, the loan must be an auto loan or personal loan; the loan is in good standing and not charged-off or delinquent; no delinquent mortgages are associated with the member’s account; loan may not have more than 2 Skip-A-Pays in a 12-month rolling period; the loan is not extended or modified by collections in the last 24 months; the loan must have a minimum balance of $75.00; the loan must not be currently worked on by a Collections Agency; member is not in bankruptcy.