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Auto Loan Refinance Special

Take advantage of cash back, low rates and no payments for 90 days!

Bring your auto loan to Ardent from another lender and earn 1% cash back*. Then, you could put even more money in your pocket with a lower monthly payment thanks to our new and used auto loan rates as low as 3.99% APR^. Plus, you can choose to delay your first loan payment for up to 90 days+.

Special refinancing offer details:

  • Earn 1% of your loan amount
  • Maximum cash back is $400
  • Cash back award deposited into your Ardent Savings within 21 days of loan closing
  • Offer ends August 31, 2022


Apply Now

Want to learn how much you could save on your monthly payment?

Put Your Auto Loan to Work for You

By refinancing your existing auto loan with Ardent, you give yourself a chance to earn and save at the same time. Can your existing loan do that? Just don’t wait too long to apply! August 31, 2022 is the end of the road for this special offer.

How much could you earn?

 Loan Amount  Cash Back
 $15,000  $150
 $25,000  $250
 $40,000  $400
 $60,000  $400


How much could you save?

Your savings will depend your current auto rate and how it compares to Ardent’s great low rates. You can even choose to pay off your auto loan faster by picking a shorter repayment term, which will save you money.

Plus, all Ardent car loans feature:

  • No origination fees
  • Flexible term options up to 84 months
  • Same day decisions in most cases
  • Easy online application

Rates effective starting: 08.14.22
Product1 APR (As low as)2 Maximum term Monthly Cost
per $1,000
New Auto 3.99% 48 months $22.51
New Auto 3.99% 66 months $16.85
New Auto 3.99% 75 months $15.05
New Auto 4.99% 84 months3 $14.08
Used Auto (2010 or newer) 3.99% 48 months $22.51
Used Auto (2011 or newer) 3.99% 66 months $16.85
Used Auto (2013 or newer) 3.99% 75 months $15.05
Used Auto (2018 or newer) 4.99% 84 months3 $14.08
Classic Auto 5.24% 60 months $18.91
SMART Auto 6.39% 10 years $11.25

*Cash back is equal to 1.00% of the new loan balance. Maximum cash back is $400. Example: $25,000 new loan amount multiplied by 1.00% = $250.00 cash back.  Cash back award will be deposited to your Ardent savings account within 21 days of executing your final loan agreement. Promotion is only available for auto loans not currently financed with Ardent Credit Union.  The 1% cash back award will be forfeited and added to the payoff amount if the loan is closed within 120 days of opening.  Refinancing is not available for commercial or salvaged vehicles.  Rates, terms, and offer are subject to change at any time.  Membership with a savings account at Ardent Credit Union is required to participate in this offer.  This promotion is valid on applications received between May 1, 2022 and August 31, 2022.

^APR = Annual Percentage Rate. Rates effective August 8, 2022.  "As low as” rate assumes excellent borrower credit history and automatic payment from an Ardent Credit Union account.  

+90-day Loan Payment Deferral Option: Interest will continue to accrue during the payment deferral period and will be collected with your first loan payment. 

1A new vehicle is defined as 5,000 miles or less. A used vehicle is defined as model years covering the current calendar year and the past 9 calendar years. Used car value determined by using the current NADA retail book value; new car value determined by using, MSRP.  Payment example: A 66-month auto loan at 3.99% fixed APR will have 66 monthly payments of $16.68 per $1,000 borrowed.

2APR shown reflects 0.25% discount for automatic payment from an Ardent Credit Union checking or savings account; APR is 0.25% higher without automatic payment. Rates and terms are subject to change based on market conditions and borrower’s eligibility. Ardent Credit Union has a tiered rate policy, which applies different interest rates to borrowers, based upon the borrower’s credit worthiness. Borrower must meet credit union lending guidelines. Click here for membership eligibility requirements, which apply. Auto Loans are not available in Puerto Rico.

3$15,000 minimum required.