Credit Human
Credit Human — refinance rates starting at 5.69% APR with terms up to 84 months.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means Credit Human does not publish this on their public site. "No restriction" means Credit Human explicitly states no limit.
Overview
Credit Human offers auto refinance loans with a clear focus on your affordability and long-term financial health. You can access competitive rates for vehicles up to 10 model years old and may qualify to refinance up to 130% of your loan-to-value.…
What’s great
- Published APR range starting at 5.69% for newer vehicles
- Accommodates older vehicles up to 10 years and 150,000 miles
- Option to refinance up to 130% of your loan-to-value for qualified borrowers
What to know
- Minimum 680 FICO score required for terms longer than 78 months
- Lowest advertised rates require a minimum 780 FICO score and auto pay discount
Eligibility
| Minimum credit score | 680 |
| APR range | 5.69% – 14.29% |
| Maximum vehicle age | 10 years |
| Maximum mileage | 150,000 miles |
| Loan amount range | $7,500 minimum |
| Term length | 24 – 84 months |
| States served | 50 states |
| Membership requirement | Membership is open to employees of partner organizations, residents of the San Antonio or New Orleans service areas, military members, or nationwide via the American Consumer Council (ACC). |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from Credit Human's own published materials. Rates, eligibility, and terms can change — verify directly with Credit Human before applying.
- [1]Credit Human Rates — Credit Humanhttps://credithuman.com/ratesLast checked: October 2026
- [2]Auto Refinance Loans — Credit Humanhttps://credithuman.com/personal/auto-loans/auto-loan-refinance/Last checked: October 2026
- [3]Join Credit Human — Credit Humanhttps://www.credithuman.com/join-credit-humanLast checked: October 2026