Do you have a car you LOVE but a loan you don't? 

Are you interested in...

Lowering your monthly payment? 

Paying less for the term of the loan? 

Finding out if you are overpaying on interest?

Considering using your vehicle's equity to secure some cash? 

Having a co-borrower or co-signer removed from the loan? 

Skipping a loan payment? 



For those interested in simple savings, we are so confident we will be able to save you money/interest, that we will pay you $25 CASH if we don't! 

Just answer a few simple questions to get started! Please complete inquiry form and a loan officer will contact you to discuss what you would like to accomplish with a auto refinance. (Lower payment, cash out and desired amount, etc.) This form is not a loan application and does not include a credit check.  

Ready to apply auto refi page


Auto Refi Inquiry Form

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All loans subject to approval. Individual interest rates are based on several criteria including creditworthiness, Loan-to-Value ratio of fiananced vehicle, personal objective/purpose for refinancing, etc. To be eligible for the $25 cash payback, the vehicle must have at least three months on time payments made through current lender and at least six months remaining on current loan. Loan must also have an outstanding balance of at least $3500 (including cashed out equity) and not currectly financed directly through a used auto dealer or BHPH auto lot, through a title loan or title loan company or under a limited promotional interest rate or through an exclusive auto dealer/auto maker financing offer or any limited time offer. Current loan to be refinanced must be through an accredited lender or lending institution.  Loan on the vehicle being considered must be financed under a loan designated as an auto loan. Additonally, applicant must be able to prove all pertinent information required for financing including address, phone number and identitity, be over the age of 21 and have a verifable income and credit history. If applicant does not meet minimum standards of credit eligibility, no cash payback will be made. If Mid-Illini is able to save borrower at least $25 and party elects not to refinance, cash back offer is voided. Verification of current loan and inspection of vehicle may be required. Maximum cash payback of $25 per application/applicant/loan/vehicle. No additonal cash payback will be given to co-owners or co-borrowers. The cash payback offer is valid one time per applicant and per loan and per vehicle.  Once applied or redeemed, cash payback promotion may not ever be applied to another loan or vehicle by same applicant or applicants. Other restrictions apply. This is a limited offer and may expire at anytime without notice.