Bring your auto loan to Ardent from another lender and earn 1% cash back1. Then, put even more money in your pocket with a lower monthly payment thanks to our low new and used auto loan rates as low as 2.49% APR2. Plus, you can choose to delay your first loan payment for up to 90 days3.

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 September 30, 2021

How much could you earn?

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


All Ardent car loans feature:

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

Want to learn how much you could save on your monthly payment? Grab your monthly statement. Then, give us a ring at 800-806-9465 and we can run the numbers for you.


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1Cash 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 through September 30, 2021.

2APR = Annual Percentage Rate.  Rates effective June 1, 2021. Ardent Credit Union has a tiered rate policy, which applies different interest rates to borrowers, based upon the borrower’s credit worthiness. “As low as” rate assumes excellent borrower credit history.  Rates shown include a 0.25% for automatic payment from an Ardent Credit Union account.  All loan decisions are subject to Ardent Credit Union underwriting guidelines.

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

How much will my loan payments be?

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