Trade-in your loan for cash
Get 1% cash back (up to $500) and enjoy no payment for 90 days when you refinance your auto or recreational loan from anther lender.*
Put More Money Back in Your Pocket
1% Cash Back Bonus
Bring your loan to Trailhead and we’ll give you 1% of your total refinanced balance back! That’s up to $500 in cash deposited directly into your savings account within 30 days of closing.*
No Payments for 90 Days
Keep your money where you need it most. Skip your first three monthly payments and give your monthly budget some instant relief.*
Today's Rates
Refinancing may help lower your rate and reduce your monthly payment.
Ready for the Road, the River, or the Trail.
Whatever you drive, float, or hitch, we can refinance it.
How it Works
Submit your application
Apply online. All you need is your current loan statement and basic vehicle details.
We do the heavy lifting
Our local team will review your application and be in touch with all the details.
Get paid
Once approved and closed, your 1% cash back bonus is deposited right into your savings account, and your first monthly payment is deferred for a full 90 days.
The Trailhead Difference
Learn more about Trailhead’s commitment to members and the communities we serve.
Discover the differenceStart saving and claim your cash back today.
Don’t let high rates from other lenders drain your monthly budget.
Disclosures
*Offer valid 7/13/26 – 9/30/26 on auto, RV, boat, and motorcycle loans refinanced from external lenders only; existing Trailhead loans are not eligible for this promotion.
1% Cash Back Offer: Cash back bonus is calculated as 1.00% of the principal loan amount financed at closing, up to a maximum payout of $500. Cash back bonus will be deposited into the member’s primary savings account within 30 days of loan closing. Minimum loan amount of $5,000 required to qualify for cash back. If the loan is paid off, closed, or refinanced within 12 months of closing, the full cash back bonus amount will be added to the payoff balance or deducted from the member’s account.
90-Day Deferred Payment: Optional. First payment may be deferred for up to 90 days from the date of loan closing. Interest will continue to accrue during the 90-day deferral period, which will increase the total amount of interest paid over the life of the loan and extend the maturity date.
All loans are subject to credit approval, underwriting guidelines, and vehicle valuation criteria. Programs, rates, terms, and conditions are subject to change without notice. Membership requirements apply.