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A mom in the car with her kids

See if you can lower your monthly payment.

Call 877-427-7220 to Apply


If you have an auto loan,1 you may be able to lower your monthly payment or reduce your overall interest costs. Don’t be shy about applying — you can even refinance for more than your vehicle is worth. Give it a try!

Call 877-427-7220 to Apply

Real Clients. Real Savings.

We make the refinancing process easy. Read about some recent experiences our clients have had with us! Plus, Old National accountholders are eligible for a 0.25% auto loan discount.2

  • A man driving his car


    A banking client, T.J.*, had a car loan with a competitor. He had sent an electronic check from his bank account with us for his monthly payment, only to be told it was never received. The dispute continued for a month and the company began initiating collections calls.

    In distress, T.J. reached out to us. Our banker was able to confirm that the payment had been sent. Our banker then personally called the competitor, found the person in charge, and provided documentation of T.J.’s payment. Within 45 minutes the situation was resolved.

    Frustrated with his experience with a competitor, T.J. was open to hearing about our auto refinance options. It turned out, we offered him a loan that fit his needs far better. By refinancing with us, T.J. was able to lower his monthly payment by nearly $160.

    And it all started by reaching out to one of our bankers.

  • A woman out driving her car


    A banking client, Kim*, had an auto loan with a competitor, with an interest rate over 20%. When talking with us, she explained that when she applied, she had no credit score. That was the best rate she could get.

    Our banker suggested she put in a refinance application and see what happens — since she’d been making her car payments on time for a year, she had likely built up a decent credit score.

    It turns out, she qualified for a rate that was more than 15 percentage points lower — and she could save over $250 a month in payments if she selected the longest term available. She ultimately chose a loan with a shorter term; she still received substantial monthly savings while reducing her overall interest costs and speeding up her payoff date.

    And it all started with a simple conversation with one of our bankers.

  • A man driving his car


    Even if you’ve been previously declined, it may be worth another shot.

    James, a client of ours, had put in an application to refinance in October. He was declined because he owed more than his car was worth. However, we have since updated our loan-to-value ratio guidelines — now we can refinance clients who owe more than their car is worth.

    One of our bankers knew of James’ situation and encouraged him to reapply — he might be approved this time. And, in fact, he was! He lowered his rate by nearly nine percentage points, and saved $105 per month on his payments.

    All thanks to reapplying after we expanded our credit guidelines.

A young couple looking online for auto rates


Don’t be shy about applying!

  • No equity required; borrow more than your car is worth
  • Great rates and term options
  • Add some flexibility to your budget

Call 877-427-7220 to Apply

A young couple researching auto rates


Do these things and you qualify for a 0.25 auto loan discount:

  • Apply for an auto refianance
  • Open an account with Old National.2 Or, if you already have one, skip this step!
  • Set up automatic payments from your Old National account for your monthly loan payment

Call 877-427-7220 to Apply

A young lady shopping at the mall

Free Up Cash With an Auto Refi

  • Lower Your Monthly Payment – Extend Your Term: Take longer to pay and add flexibility to your budget. For example, if you have two years left on your loan, but you refinance into a five-year loan, your monthly payments would drop.
  • Lower Your Monthly Payment – Get a Lower Rate: You may qualify for a lower interest rate. Lower your monthly payments and save money over the life of the loan.
Call 877-427-7220 to Apply

*Client name is changed to protect their identity. This client’s savings was greater than average.

1 Subject to credit approval. Vehicle insurance required. Mileage cap of 200,000 miles on example of used vehicle.
2 Discount qualifications require auto-payment set-up from an Old National deposit account. Health Savings Accounts are not eligible for meeting the discount qualification.