Auto Loan Refinancing
Refinancing your existing auto loan could be a great option to help save money and lower your monthly payments. Take advantage of our special offer and apply online today.
Special Offer 3.5% Rate Discount
Refinance your auto loan from another bank and receive a 3.5% discount from rates below. This is a limited-time offer—restrictions apply.
Auto loan refinancing is only available for Ohio, Illinois, Indiana, Kentucky, Michigan, Pennsylvania, West Virginia, Wisconsin, Minnesota, and Colorado residents.
Auto Loan Rates
We offer competitive rates based on your zip code. Find auto loan rates for Ohio, Illinois, Indiana, Kentucky, Michigan, Pennsylvania, West Virginia, Wisconsin, Minnesota, South Dakota, and Colorado residents. Your rate is based on the 43215 zip code.
Rates effective as of Wednesday, April 30, 2025.
| Payment Amount | |||||
|---|---|---|---|---|---|
|
Model Year
|
Term
|
Rates as low as
|
APR as low as
|
(per $1000 borrowed)
|
|
|
2025
|
72 months
|
9.14%
|
9.77%
|
$18.26
|
|
|
2024
|
72 months
|
9.14%
|
9.77%
|
$18.26
|
|
|
2023
|
72 months
|
9.34%
|
9.98%
|
$18.35
|
|
|
2022
|
72 months
|
9.59%
|
10.23%
|
$18.48
|
|
|
2021
|
72 months
|
9.74%
|
10.38%
|
$18.55
|
|
|
2020
|
72 months
|
10.04%
|
10.68%
|
$18.70
|
|
|
2019
|
60 months
|
10.29%
|
11.05%
|
$21.56
|
|
|
2018
|
60 months
|
10.44%
|
11.20%
|
$21.64
|
|
|
2017
|
60 months
|
12.29%
|
13.07%
|
$22.54
|
Lending products subject to credit application and approval. Annual Percentage Rates displayed assume a $10,000 loan amount with a $170 loan processing fee and for our highest qualified applicants. Your actual annual percentage rates, term, and payment amount may be different depending on your credit history and the amount financed.
How Refinancing an Auto Loan Works
1. Gather your existing auto loan documents so your current balance and other information is handy.
2. Apply for an auto loan online or by visiting your local Huntington branch.
3. Request a payoff letter from the bank that holds your existing loan.
4. We'll pay off your loan to your bank.
5. Log into your Huntington account to easily set up your monthly payments and manage your loan online.
Auto Loan Refinance Benefits
At Huntington, our goal is to help simplify your finances. Whether you want to buy a new or used vehicle, refinance an existing loan, or purchase a car privately, we have fast, easy financing that fits your needs.
Wide Range of Loan Amounts
We offer auto loan amounts ranging from $3,000–$200,000.
Qualifying Vehicles
Auto loan refinancing is available for cars with a model year seven years and newer, and under 150,000 miles.
Choice of Loan Terms
You get to choose the length of the loan. We offer loan terms up to 72 months for vehicles 0-5 years old, or up to 60 months for vehicles 6-7 years old.
Flexible Payment Options
Choose the date of your first payment up to 60 days after closing your loan.
Online Account Management
Save time with online account access that lets you view your auto loan balance, monitor the transaction history, and make your payments.
Apply for Auto Loan Refinancing
You can apply for auto loan refinancing online. If you have any questions, please visit your nearest Huntington branch,
or call our lending center at (877) 587-8051.
From there, a lending specialist can help you with your application.
You don't need a Huntington bank account to apply and qualify for our auto loans.
Direct Auto Loans are only available for Ohio, Illinois, Indiana, Kentucky, Michigan,
Pennsylvania, West Virginia, Wisconsin, Minnesota, and Colorado residents.
More Auto Loan Information
Auto Buying Resources
Know what vehicle's right for you.
Browse our auto buying resources before you buy or lease. You'll find handy resources and financial auto calculators to help you know what vehicle you can afford.
Motor Vehicle Insurance
Get the vehicle coverage you need.
Rethinking your current insurance plan? Our professionals can help put together the right coverage you need to protect you, your car, and those around you on the road. We also have resources to help with natural disaster insurance claims.
Auto Loan Refinance FAQs
Answer: Auto loan refinancing is the process of paying off your current car loan with a new loan that offers different terms—typically a new interest rate or loan duration. The refinanced loan also involves transferring the title to the new lender. The new, refinanced loan pays off your original loan, and you'll begin making monthly payments to your new lender.
Answer:
The decision to refinance your car depends on a variety of factors, like credit score, your current monthly payment, and the age of your vehicle. Refinancing your auto loan could be a good option for you if:
- Your credit score has improved since financing your vehicle
- You were looking to lower your monthly payment or lower your interest rate
- Your vehicle value does not far exceed the amount you owe on your loan
Auto refinancing can ultimately help to save money over time by lowering your interest rate, decreasing your monthly payments, or changing the duration of your loan. However, it's important to know that refinancing is not right for everyone. Be sure to talk with a lending specialist to understand what is best for you and your unique financial situation.
Answer:
If you have questions about the documents you might need, please call our lending center at (877) 587-8051 or visit a Huntington branch to learn more, but in general, you'll need:
- Your vehicle registration
- You driver's license
- Proof of car insurance
- Your car's model, make, year, and vehicle identification number
- Payoff letter from the bank that holds your existing loan
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Rates and discounts subject to change at any time.
Lending products subject to credit application and approval. Your loan amount options will be determined through a review of your Ability to Repay, which includes a review of your income, and your debt, including the debt listed on your credit report .