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Apply for an Auto Refinance Loan with Nationwide

Refinance your auto loan with Nationwide Bank® and save. Refinancing a car may lower your interest rate, which means a lower monthly payment – and more money in your pocket each month. You’ll also pay less over the life of your auto loan1.


Great Low Rates

Rates as low as

2.65% APR*

Apply Now


Nationwide Member Rates

Rates as low as

2.40% APR*

Apply Now

*Annual Percentage Rates (APRs) effective as of and subject to change.

APRs shown assume excellent borrower credit and a 1% discount for automatic ACH payments. Rates will be 1% higher if automatic payments are not selected or cancelled after loan closing. Loan is subject to approval. Additional terms and conditions may apply. Payment example: A 72 month loan for $25,000 at 3.60% APR would have 72 monthly payments of $386.59.


There are two ways you can save when you refinance your auto loan to a lower interest rate. Choose the one that works better for your personal auto finance goals:

With Nationwide Bank, you can do everything securely online, from filling out the application to signing your loan documents, from the comfort of your home. And our application is easy to access whether you're using a desktop, laptop, tablet or smartphone.

We've also made it convenient for you to make loan payments. You can choose to pay monthly or bi-weekly, and you can select a payment date that works with your schedule. Nationwide Bank does not charge a fee for bi-weekly loan payments.

Then, your work is done. Nationwide Bank will make sure your original loan is paid off and your vehicle title is transferred to us. 

Gather the information below so you can refinance your loan today!

How to Apply

Here’s what you'll need to apply for an auto loan. You must be at least 18 years old and a U.S. citizen or legal resident to apply. Be sure to check your credit and resolve any disputes on your credit report prior to applying. If applying jointly, both people should request a credit report before starting the application.

Nationwide Bank takes your privacy seriously. To protect your information, we will also verify your identity.

Personal information Financial information Vehicle information
  • Previous residence information if you’ve been in your current home less than two years
  • Previous employer if you’ve been with your current employer less than two years
  • Annual salary or other income information that you wish to have considered as a basis for repaying your loan
  • Name and address of lender for current loan
  • Payoff amount that is good for 15 days
  • Bank account information for your automatic loan payments2
  • Vehicle Identification Number (VIN)3
  • Vehicle year, make, model and mileage4

If you are applying for an auto refinance loan with another person, you will need to have that person’s residence information, too.

How to get Nationwide member rates: All you need to access great rates is to be the account owner of one or more Nationwide products including any of the banking, insurance and financial services products.


Is there a car refinance application fee?

There are no fees to apply for any of our auto loans.

What vehicles are not eligible for an auto refinance?

Nationwide Bank does not offer loans on classic cars, cars without VINs or vehicles with a salvage title. In addition, financing is not available for cars with over 150,000 miles or that are 20 years or older.

Can I refinance my existing car loan from another lender?

Yes, refinancing your current auto loan to one with a lower rate may save you hundreds of dollars. Our auto refinance calculator can help you estimate savings based on your auto loan interest rate and monthly payment amount.

If I refinance my existing auto loan, do you send the payoff check directly to the original lender or to me?

For auto refinance loans, we will send the check directly to the lender.

Is it possible to pay off my auto refinance loan early?

Yes, you can pay off your auto loan early with no penalties, no matter your credit or interest rate. Use our auto loan payoff calculator to estimate your payment.

Get more answers to your auto loan questions on our Car Loan FAQ page.

Nationwide can also provide you with the insurance you need to stay protected on the road. View our different types of auto insurance policies and request a car insurance quote from Nationwide today.

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