Ready to Refinance Your Car Loan?

Lower your interest rate, decrease your monthly payment, and pay off your car sooner!

Lower Your Interest Rate

Decrease Your Monthly Payment

Pay Off Your Car Sooner

Apply Conveniently Online

Member-Exclusive Auto Loan Rate Match 

Get your FREE quote now to see how much you could save by refinancing your auto loan GHS!
For a limited time, GHS is offering a member-exclusive, competitive rate program designed to save you money!

If you have a loan with another lender, we will match your current rate and beat it! 
If we can’t beat your current loan, we’ll match and discount our rate to give you options!

Learn what your auto loan rate could be with GHS by applying online now with our no obligation application.
Once your information is submitted, a loan officer will review your application and get you the best rate for your auto loan refinance!

*Not a member yet? Join now!

Refinancing Your Auto Loan Is Easy




Tell us about yourself and the vehicle that you would like to refinance, via the online form, calling one of our loan officers, or visiting one of our branches.



We’ll confirm the information and let you know if we require any additional documentation.



Once you are approved we’ll pay off your previous loan and help you transfer the title.

Auto Refinancing Rates As Low As

Auto and Truck Rates

Loan TypeTerm (Approximate)Non-Variable APR*
Rate shown as low as with discount up to .50%**
Auto/Truck 2020 or Newer ModelsTo 48 Months2.00%
60 Months2.00%
72 - 84 Months3.25%
Auto/Truck 2011–2019 ModelsTo 48 Months2.75%
60 Months3.00%
Up to 75 Months4.00%

Calculate your potential auto refinance savings

Use this auto refinance calculator to compare your current loan with a refinance loan.