Refinance and save money

Tired of feeling stuck in the slow lane with a high monthly payment? Pump more money into your budget each month by refinancing with Solarity. Whether you're cruising down the highway, sailing on the lake or hitting the off-road trails, we've got your back with flexible terms and great rates. Say goodbye to financial roadblocks and hello to more savings. Apply online or give us a call at 800.347.9222.

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Cars and trucks

RV Refinance Loans Available Today


Refinance Boat Loans With Solarity


Motor Sport Refinancing

Motor Sports

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Top reasons to refinance a vehicle loan

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Lower your monthly payment

Create more room in your budget for other essential expenses or savings.*

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Lower your interest rate

Reduce the overall cost of the loan and pay off your vehicle more efficiently.*

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Shorten the length of your loan

Pay less interest over the life of your loan and own the vehicle sooner.*

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Cash out your equity

Put your vehicle's value to work for you and take out extra funds for other financial goals.*

Featured vehicle refinance rates

Rates accurate as of July 05, 2024
APR As Low As*
APR As Low As*
APR As Low As*

Meet Bobby, a Solarity member, who couldn't believe how easy it was to refinance.
Discover Our Low Auto Loan Rates For Washington

Refinance and shift into savings

If it has an engine or is towable, there's a good chance we'll refinance it. From cars and trucks to RVs, ATVs and power sport machines, here's a quick rundown of how our vehicle loans work:

  1. Refinance your existing loan from another financial institution with Solarity
  2. Cash-out refinance options available
  3. No loan setup fees or penalty for early pay-off
  4. Competitive rates and generous terms
  5. Refinancing available for most vehicles including classic cars, motor sports and trailers*


Common questions about vehicle refinance loans

Refinancing a car, truck, RV, boat or other vehicle replaces your current loan with a new one, typically with more favorable terms. The goal of refinancing is to save money on your car loan by obtaining a lower interest rate, reducing your monthly payments, cashing out some of the equity or adjusting the loan term to better fit your financial situation.

How it works:

1. Apply for a new loan

2. If approved, review the loan offer

3. Accept the offer and sign the paperwork

Once the refinance is complete, the lender will pay off your old loan, and you’ll start making payments on your new loan.

The timing of when you can refinance a car loan depends on several factors, including your lender's policies and the specific terms of your existing auto loan. In most cases, at Solarity we can refinance your vehicle loan at any time, even if you just recently got financing with another lender. Contact us to discuss your specific situation.

Yes! This type of loan is called a cash-out refinance. It replaces your current auto loan with a new loan for more than you owe. You get the difference as cash that you can spend however you wish. You can even do a cash-out refinance for a car, truck or RV that’s fully paid for. A cash-out refinance vehicle loan typically features a fixed rate and may provide a more affordable alternative to using higher-interest options such as a credit card for large expenses.

Yes! Solarity offers Skip-a-Pay for various types of loans, including cars, trucks, boats and more. Skip-a-Pay allows members to defer making their loan payments for a specific period, providing them with some financial flexibility when needed. Click here to learn more about how this service works, or give us a call at 800.347.9222 to get started!

Yes! Solarity offers GAP for all vehicle types and MBP on auto loans to help our members protect their investments and gain peace of mind knowing their vehicle is fully covered.

Click here to learn more about what each of these insurance products offer, or call us at 800.347.9222 for a free, no-obligation quote!

Is it worth it to refinance an RV?

It may be worth refinancing your RV if one of the following is true:

Your credit score has increased: if your credit score has improved, that can equate to a lower interest rate. Consider your current rate and compare that with today’s rates using a vehicle refinance calculator. Even a tiny bump down in interest rates could save you substantial money over the life of an RV loan.

Interest rates have gone down: if they are lower than when you initially financed your RV, it may be a good time to refinance to lower your payment and save money.

You can improve your loan terms: sometimes, different loan terms will improve your lifestyle or help you better reach financial goals. Refinancing your RV can be a great option if you want a shorter or longer repayment schedule or are trying to free up your finances for other expenses.

It depends on the details of your loan. You will have to wait for the car title to transfer to your name first, which can take up to 60 days. But it might be wise to wait six to 12 months so you can create a payment history before approaching a lender for a new loan. This tends to be the standard for lenders to feel comfortable with a timely payment history and be willing to offer you better rates.
There are several strategies you can use to lower your interest rate when refinancing. Interest rates are determined by risk. If you reduce the risk for the lender, interest rates will adjust accordingly. To reduce risk and increase trustworthiness, you can increase the loan-to-value (LTV) ratio by increasing the equity in your RV, decrease your debt-to-income ratio (DTI) by repaying debt or improve your credit score. Any of these could help lower your interest rate when refinancing.
Lenders offer a variety of terms for RV loans. The most common tend to be 10 to 20 years long. Shorter terms are often available if you have a large down payment or want a faster payoff. For high-end luxury RVs, longer terms may be available for up to 25 years. Speak with one of our RV refinance experts to discuss the best term for your situation.

Helpful articles and information

Can auto loans be refinanced?

Any time you’re looking to put some money back in your monthly budget, refinancing your auto loan can be a great place to start.


How soon can you refinance an RV loan?

Refinancing a loan at the right time can save you money. This is especially true if your financial situation has changed since you originally took out the loan.


Credit union auto loan vs bank auto loan: which is right for me?

Choosing a credit union over a bank when financing your next vehicle can give you an advantage that really makes a difference over time. Find out how.

Your Auto Loan Source In Washington

Refinancing for whatever moves you

You have options when it comes to financing your new car, RV, boat or other vehicle. Apply online, give us a call or visit your local branch today!

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Annual Percentage Rate (APR) accurate as of date shown and subject to change. All loans subject to credit approval; rate, monthly payment, loan terms and cash-out options may vary based on credit. Some mileage and/or age restrictions may apply; see Rates page for details.

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