Auto Loan Refinance


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 CAR2.49%4.19%68%
USED CAR2.64%3.82%45%

^Data is supplied by Datatrac Inc. as of 2/18/2018.

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.

Auto Refinance Calculators

Looking to lower your monthly payment on your auto loan? Use our Auto Refinance calculator to see how much you can save.

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...