Auto Loan Refinance

Refinance car loan

Best for those who want to lower their monthly auto loan payments from another financial institution.

  • Terms up to 96 months on new vehicles (current year and previous model year <5,000 miles).
  • No payments for 90 days
  • Financing up to 125% NADA Book value on pre-owned vehicles.
  • Extend your loan and lower your monthly payments even more!
  • Defer your first loan payment for 90 days.
  • Available for lease buy-outs.


ProductBethpage Annual Percentage Rate (APR)*LI Regional Bank Average APR^We are lower than the banks by:
NEW CAR1.89%2.37%25%
USED CAR2.09%2.99%43%

^Data is supplied by Datatrac Inc. as of 9/1/2015.

Rate shown is the average for the 10 largest banks on Long Island, New York area for A+ credit 80% loan to value for new customers without any other relationship to the bank. Actual rates may be different.

*APR = Annual Percentage Rate. Rate shown is the standard rate for Bethpage members based on a 60 month term, maximum LTV of 90% for used and 90% for new and a preferred credit rating. All offers of credit are subject to approval; applicants may be offered credit at higher rates and different terms.

PLEASE NOTE: All calculations received by using the calculator tools on this page are estimates only. Please contact your loan advisor, tax advisor or a branch representative to determine all final payments or savings.

Let’s get you in the driver’s seat today!  Whether you are buying a car for the first time or simply looking for that new set of wheels, we can help make that dream a reality.

Visit the Advice and Planning, Auto Center, to learn more...