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Auto Loan Refinance

Vehicle Loans

Already have a car, but are looking to save money with a new, low rate? 

Our 3 step application process is just the beginning to a hassle-free, 

wallet-friendly auto loan!

Benefits of a People’s Trust Auto Loan Refinance

That's what Un-Banking from your current auto loan looks like! Refinancing can allow you to get a lower rate on your auto loan. 

We're here to help people, which is why we offer products, services, and features that make car payments a breeze. 


Skip Your First Payment

You can defer your first payment for 90 days.


Competitive Rates

Low-interest loan rates for cars, trucks, SUVs, and vans.


Flexible Terms

Loan terms up to 84 months are available.

Quick and Easy
And Free

Refinancing isn’t complicated. You’ll save money right from the start–beginning with no application fee!

No Prepayment

Choose when and how you pay off your loan. Why would we penalize that?

Optional GAP &
Debt Protection

We highly recommend debt and GAP protection to reduce the impact of the unexpected for a low monthly fee.


Apply Now


“The online loan servicing has made the refinance and payment setup a breeze to manage month to month. Great customer service”

- Jeremy

Learn How Much You Can Save by Refinancing Your Auto Loan


See How Quickly You Can Refinance an Auto Loan With People’s Trust



Apply Online

Our quick and easy online application takes just a few minutes.



Sign Your Loan

Agree to the loan amount, rates, and terms.



Receive Lower Payments

We’ll pay off your old loan automatically and you’ll enjoy lower monthly payments.

Frequently Asked Auto Loan Refinance Question

All People’s Trust members are welcome to apply for an auto loan. Not a member? Not a problem! We’d like to invite you to become one.
There are lots of benefits to People’s Trust membership besides lower APR (annual percentage rates) on your auto loan refinance in Houston. We’re local, friendly, and member-owned, which means we spread the wealth!

Member benefits include:

  • Low rate Auto Loans for new and used, as well as refinanced vehicles
  • Products and services such as our assorted Checking Accounts, including our most protected account, Secure Checking
  • Access to our network of surcharge free ATMS–over 81,000 nationwide
  • Visit your local branch and consult with local financial experts
  • Keep and grow your money through competitive interest rates on loans, and on Certificates and Money Market Accounts, higher interest rates
  • Conveniently located branches, HomeBranch™ (Online Banking), Shared Branches, and our Mobile App mean you’ll have convenient access to your money, no matter where you are

Thanks for asking! We’re always happy to talk to members about their goals and questions!

You can apply online, over the phone, or in person at one of our branch locations. But if you still have questions, you can reach out to us at 800.321.2411.

Auto Loan Resources

Research Tools

Members have access to Enrich, our award-winning financial wellness program that includes tools, resources, and multimedia courses.

Online BillPay

Schedule recurring payments, check your balance, and more with our user-friendly bill pay system.


If you’re switching from another lender, switching your automatic payments over to People’s Trust is quick and easy with ClickSWITCH!

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