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Best for: Borrowers seasoning an existing loan (120+ days old) outside Alaska, Hawaii, or New Hampshire

U.S. Bank

U.S. Bank — auto refinance with a published lowest APR of 7.21%, available in 47 states + DC.

Min credit
Not disclosed
APR
From 7.21%
Max vehicle age
Not disclosed
Max mileage
Not disclosed

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"Not disclosed" means U.S. Bank does not publish this on their public site. "No restriction" means U.S. Bank explicitly states no limit.

Overview

U.S. Bank publishes an auto refinance APR "as low as 7.21%". Refinancing is available nationwide except in Alaska, Hawaii, and New Hampshire, and the existing loan must have been opened at least 120 days prior to your refinance application. U.S.…

What’s great

  • Published lowest APR of 7.21%
  • Decisions in minutes after applying
  • Online application takes about 10 minutes

What to know

  • Not available in Alaska, Hawaii, or New Hampshire
  • Existing loan must be at least 120 days old
  • No published vehicle age/mileage limits, FICO floor, or loan amount range

Eligibility

Minimum credit scoreNot disclosed
APR rangeNot disclosed
APR floor (as low as)From 7.21% — minimum only; full range not published
Maximum vehicle ageNot disclosed
Maximum mileageNot disclosed
Loan amount rangeNot disclosed
Term lengthNot disclosed
States served48 states

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from U.S. Bank's own published materials. Rates, eligibility, and terms can change — verify directly with U.S. Bank before applying.

  1. [1]U.S. Bank Auto loan refinancing — APR as low as 7.21%, available nationwide except AK/HI/NH, existing loan must be 120+ days old — U.S. Bank
    https://www.usbank.com/vehicle-loans/auto-loans/refinance-auto-loan.html
    Last checked: October 2026