Refinance your auto loan from another lender and get 1% cash back (up to $500).

Or choose a 0.25% rate reduction on your approved rate.

Start Your Refinance

Why Refinance with Pillar?

  • Get rewarded with cash back

  • Lower your monthly payment

  • Quick, local decision-making

When Your Loan Stops Working for You

If your current auto loan is destroying your budget, you’re not stuck with it. Higher rates, older terms, or just the wrong fit can cost you more than they should.

Here’s How We Help Fix It

Refinance your auto loan from another lender

  • Choose 1% cash back (up to $500) OR take a 0.25% reduction on your approved rate

You pick what works best for you.

So You Can…

  • Keep more of your money each month

  • Handle the unexpected without stress

  • Actually feel good about your loan again

Getting Started is Simple

  1. Apply online: Use the Used Car Loan Application.

  2. We review & connect: A Pillar loan representative will contact you shortly to discuss options.

  3. We handle the details: We’ll work with you and your current lender to handle payoff and guide title/DMV steps.

  4. You start saving: Finalize your new loan and enjoy a potentially lower payment or faster payoff along with your choice of cash back or a lower rate.

What You’ll Need

  • Current lender name, loan/account number, and payoff amount (or a recent statement)

  • Vehicle details (VIN, mileage, year/make/model)

  • Driver’s license and proof of insurance

  • Proof of income (e.g., recent pay stubs)

  • Membership eligibility information (if you’re new to Pillar)

Start Your Refinance


All loans subject to approval. Membership eligibility required. Terms, conditions, and rates subject to change. Savings depend on creditworthiness, remaining term, vehicle details, and current rate.