Affordable Auto LoansLow rate loans for new or used cars. No application fees and no early payoff penalties. New & Used Auto LoansAffinity offers affordable loans for new and used cars, with no application fees and no early payoff penalties.Log In & Apply Now Pre-approval is free and good for 45 days. Outstanding low rates with flexible terms up to 96 months. 0.25% APR discount for automatic payments from an Affinity account.¹ Finance up to 110% of your vehicle's value.² Auto Loan RefinancingYou could save money every month by refinancing your current auto loan at a lower rate. Refinance CalculatorContact a Representative Low rates with flexible terms. No application fees, closing costs or early payoff penalties. Affinity handles all of the paperwork for you. Members have saved an average of $85 per month³ by refinancing with us.