Are you paying too much for an auto loan? The thought of saving money can entice many to jump into refinancing without considering their circumstances. At RiverTrace, we can help you weigh the costs of refinancing to determine if auto loan refinancing is the right move for you. Whether you are looking for a more favorable rate or want to extend your repayment period, at RiverTrace we can help.

When to Refinance

  • Interest rates have dropped
  • Your debt has decreased
  • Credit score has improved
  • Income has dropped
  • Add or Remove a signer

Even if interest rates haven’t dropped, your debt hasn’t decreased, and your credit score has not improved, there could still be better offers than your initial financing option.

Contact us and we will help you chart a path towards auto refinancing.

Our Rates

Rates change regularly so there is a chance that they have decreased since your initial auto loan. Don’t be discouraged if you only see a drop of a few points, those few points could represent significant savings over the life of your loan.

Check out our car loan rates.

If you're not a member yet, let RiverTrace help you Chart Your Path. It's easy to enroll and we can take care of it for you when you open an account or apply for a loan.


Lobby Hours:

Monday-Wednesday: 9:00 - 5:00

Thursday: 10:00 - 5:00

Friday: 9:00 - 5:00

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