Refinance Auto Loans

Save thousands by lowering your monthly payment and paying less interest when you refinance your auto loan to a lower rate.


Apply today and see how we can save you money.

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Visit your local branch or call us toll-free at 1.800.650.6328.


Why refinance your auto loan?
The number one reason to refinance your auto loan is to simply save money. Maybe you didn't get the best rate when you purchased your vehicle. Maybe your credit has improved since your purchase and you can now command a lower interest rate.

Refinancing Tip
When you refinance your auto loan with Gulf Winds, you can refinance it for however many months you have remaining on your current auto loan. That way your payoff date won't be extended but you will still save money with our lower rate.

Gulf Winds offers:

  • Rates as low as 3.24% APR
  • Flexible Payment Options
    • 36 months; a shorter term means you'll pay off your car sooner
    • Up to 84 months; lower your monthly payment even more
  • No Payments for 90 Days
  • Simple Loan Application
  • Auto Loan Protection
    • Protect your loan with Extended Warranty, Guaranteed Asset Protection (GAP) and Credit Life & Credit Disability on your auto loan.


How An Auto Refinance Can Save You Money

An auto refinance can be a great way to save money every month with lower loan payments and better rates.

For example, when you purchased your vehicle let’s say you financed $26,000 over six years at 5.49% APR. Your monthly payment is $424.66. One year later, you've paid over $1,300 in interest. At the end of the six-year loan, you will have paid more than $4,500 in interest.

Loan Comparison
  Refinanced Auto Loan† Continue Current Loan†
Interest Rate 3.24% 5.49%
Amount $22,237.71 $22,237.71
Term 60 months 60 months
Monthly Payment $402.00 $424.66
Interest Paid $1880.00 $3,242.10
Total Paid $24,117.71 $25,479.81

Monthly Savings = $22.66

Total Savings = $1,362.10

†Amounts used for illustration purposes only.

Refinance Auto Loan Rates
Term APR Range Est. Payment/$1,000 Borrowed
Up to 36 months 3.24% - 13.99% $29.19 - $34.20
Up to 66 months 3.24% - 15.99% $16.56 - $22.90
Up to 75 months 3.99% - 17.99% $15.09 - $22.32
Up to 84 months 5.04% - 7.84% $14.15 - $15.51

Rates as of . Maximum loan term will depend on the age of collateral and/or the size of the loan. The actual APR may vary based on the applicant's credit history and underwriting criteria. Add 1% APR for an vehicle with over 75,000 miles.