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The Drive for Extra Cash

An auto refinance may save you money or give you financial flexibility.

Apply for a Refi


With a First Midwest auto loan refinance you get great rates, generous credit criteria, and you don’t have to have equity in your car – borrow more than your car is worth!1 Plus, we offer an autopay discount of 0.25% to checking clients.2 See if an auto refi can help your budget!

Start Your Refi Application Now


See how we can help you save today!*

*The rate quote that will be provided in response to a request represents an estimate based on preliminary information provided by the client. It will not be representative of available product rates and terms based on the specific credit qualifications of the requestor. If specific product eligibility, rates and product terms are desired, an application will need to be submitted and authorized consent to pull a credit bureau report will need to be provided by the applicant. The only way to obtain exact rate and payment information is to apply.

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Save money on interest if you refinance to a better rate. You could also lower your monthly payment, or shorten your term to speed up your payoff date. It’s up to you!

Apply Today

A young couple looking online for auto rates


We have expanded our approval criteria, so don’t be shy about applying!

  • No equity required; borrow more than your car is worth1
  • Great rates and term options
  • Add some flexibility to your budget

Fill Out Your Application


**Calculations are for estimated analysis only. Results are not indicative of any actual loan terms or payment amounts. Please contact a Banker for current rates and to get your personalized rate quote.

Current Auto Loan Rates

View Rates

Refinancing Your Auto Starts Today

Get a Refi
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Do these things and you qualify for a 0.25% auto loan discount.  

  1. Apply for an Auto Refinance.
  2. Open a First Midwest Checking account2. Or, if you already have one, skip this step!
  3. Set up Automatic Payments. Link your First Midwest Checking account2, so that it autopays your monthly loan.

Start Your Application

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Free Up Cash with an Auto Refi.

  • Loan Payment Deferral: Defer your first payment for up to 60 days.3 For example, if your monthly payment is $500, 60 days deferred payment means $1,000 in your pocket now.
  • Lower Your Monthly Payment – Extend Your Term:4 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.
Start Now

1 Subject to credit approval. Vehicle insurance required. Rates are subject to change daily. Contact your First Midwest Banker for our current rates.
2 Discount requires auto payment set-up from First Midwest checking account. Health Savings Accounts are not eligible for the discount.
3 The payment deferral option allows a borrower to extend their first payment window from 45 days to 60 days following the date the loan closes. Optional payment deferral is subject to credit review and applicant’s credit qualifications. Interest continues to accrue during the payment deferral period.
4 Extending your loan term may result in you paying more interest over the life of your loan.