Auto Loan Refinancing

Take control. Change the rules.

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Love your car but hate your monthly payment?

We may be able to help. Allegacy offers refinancing on up to 100% of the current retail value of your car if it has fewer than 100,000 miles. Keep your car, just change how much you’re paying for it.

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Up to 100%***

Borrow up to 100% of the retail value established by NADA (Southeastern edition)

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Up to 100K Miles

Refinancing available – at least $1K new money is needed to refinance an Allegacy loan

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60 Day Approval

Most loan approvals are good for 60 days (proof of insurance and other paperwork required)

View Our Rates

New Car Loans

Loan Type

Payroll Deduction or Automatic Draft APR*

Non-Payroll Deduction APR*

*APR = Annual Percentage Rate. A new auto with a loan amount of $23,597, at an interest rate of 3.99%, for 66 months, would have a payment of $398.79

**Up to 100% of Purchase Price not to exceed 10% over the Manufacturer’s Suggested Retail Price (MSRP). Loan Rates subject to determination of creditworthiness.

***NADA retail value (based on creditworthiness), 90% of List Price if automobile does not appear in NADA Guide. Maximum age of vehicle: 7 years old. Maximum mileage cannot exceed 100,000 miles. Loan Rates subject to determination of creditworthiness.

****Loan Rates subject to determination of creditworthiness. Up to NADA retail value (based on creditworthiness). Maximum age of vehicle: 10 years old. Maximum mileage can exceed 100,000 miles. Maximum length of loan subject to loan amount:  $10,000+ up to 5 years; $5,000+ up to 4 years; and less than $5,000 up to 3 years.

Loan Type

New Vehicle (Term: 1-48 Months)**

Payroll Deduction or Automatic Draft APR*

as low as 3.49%

Non-Payroll Deduction APR*

as low as 3.99%

Loan Type

New Vehicle (Term: 49-66 Months)**

Payroll Deduction or Automatic Draft APR*

as low as 3.99%

Non-Payroll Deduction APR*

as low as 4.49%

Loan Type

New Vehicle (Term: 67-75 Months)**

Payroll Deduction or Automatic Draft APR*

as low as 4.54%

Non-Payroll Deduction APR*

as low as 5.04%

Loan Type

New Vehicle (Term: 76-84 Months)**

Payroll Deduction or Automatic Draft APR*

as low as 4.79%

Non-Payroll Deduction APR*

as low as 5.29%

Calculators to get you on the road

What others are saying ...

My auto buying experience was painless and stress free. The whole experience was first class from start to completion. I highly recommend to use this service and avoid what can be a hassle by visiting dealers.

Ricky H.
— member from Winston-Salem, NC

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