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You don’t have to be locked into your current car loan forever! Sometimes a refinance is in your best interest—yes, even if you have a lower-than-ideal credit score.

Woman smiling as she takes a car out for a test drive.

So why should you refinance?

You could potentially:

  • Lower your monthly payments
  • Reduce your interest rates
  • Shorten the length of your loan
  • Improve your credit score

Apply Online Now!

woman smiling at her phone as she takes out her credit card

Fast Funds When You Need Them!

Get funds fast and pay loans with your debit card.

  1. Apply in-store, over the phone, or online
  2. You have the option to receive funds on your debit or prepaid card
  3. Make a payment in-store, over the phone, or online

Don’t wait for checks to clear or worry about driving to a store. Bay Country Finance pushes funds straight to your debit or prepaid card so you receive funds when you need them.

Apply Online Now!

Decorative graphic featuring a callout for the Customer Loyalty Program

Let Us Reward Your Loyalty!

If You Are a Current or Former Valued Customer, Enjoy the Following Benefits on a New Loan with Us

  • $25 Amazon Gift Card when your new loan closes*
  • 45 days before your first payment is due
  • “Instant Funding” directly to your debit card
  • Plus, earn a $25 Amazon Gift Card for the referral of a friend or family member (Referring customer must close loan to become eligible).

*Any customer eligible for a Loyalty Gift Card must notify your loan officer at time of loan closing. Terms, conditions, and some restrictions apply. Not all will qualify.

Apply Today!

Have Questions?

If you still have questions about consolidating your debts, that’s okay! We’re happy to help. In fact, we may already have the answers you’re looking for on our FAQs page.

Let's Talk

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The Greatest Compliment Our Clients Can Give is the Referral of Their Friends and Loved Ones.

Ready to Assist You With The Funds You Need, Now!