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Refinance Your Auto Loan

It’s true! Refinancing your car can save you serious cash.

Refinancing a car loan is a short process from application to approval and can possibly save you money.

6 Easy Steps to Refinancing a Car Loan

Refinancing a car loan involves getting a new loan to pay off and replace your current one.

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Review your current financing

Find the agreement for your existing auto loan and note your payment amount, APR, term and payoff balance.

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Get a Car Valuation

Use a resource like Kelley Blue Book or Edmunds.com to determine the value of your car.

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Check Your Credit Score

There’s a better chance you can benefit from refinancing if your credit has improved.

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Gather Key Information

Have your ID, vehicle registration, proof of insurance and paystubs handy before you apply online.

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Calculate Rates

Use our Auto Loan Refinance Calculator to help compare your existing loan to what Sound can offer you.

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Apply with Sound to Refinance Your Car

Your road trip budget just got bigger!

Bring your auto loan to Sound from another lender and we’ll give you 2% of the loan amount back in cash.

A women standing happily outside of her car.

Refi your auto loan. Get 2% cash back!

You’ll get a great rate, and 2% of the loan amount back in cash!


I completed the process for an auto refinance with the extraordinary help of Sound Credit Union. They offered endless knowledge about the process while also demonstrating so much patience and compassion for not only myself but the experience as a whole. Thank you Sound!

Mikaela M.
Puyallup, WA

Get Moving on Your Auto Loan

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APR is Annual Percentage Rate. Your rate and term will be determined by individual creditworthiness. Verification of income may be required. Must be 18 years of age to qualify for loan. Loan promotions cannot be combined with any other loan offer or discount. Rates are subject to change. Model year must be within the last 10 years to qualify for rates listed above. Older vehicles may qualify at a different rate and term. Qualifying hybrid vehicles are eligible for a 0.25% APR discount. The 0.25% APR discount is available on select consumer loans with auto pay set up from a qualifying Sound checking account. The prime borrower must be the prime or joint owner on the checking account. The discounted rate may revert to a non-promotional rate if the automatic payment is canceled at any time during the term of the loan.