Yes, our rates apply to all model years. Visit our rates page for more information.

Yes, we will need to coordinate with the seller on any pay-off or title transfer.

You have the comfort of knowing your interest rate and what you can afford.

Yes, we will want to make sure the title is available.

Certainly, we will need a buyers order and the value of the car you're looking to purchase. In most cases, we can talk with the dealer and handle most of the transaction for you.

A loan refinance replaces your current auto loan with a new loan. This may help you get a lower interest rate, reduce your monthly payment, change your loan term, or add or remove a co-borrower. Refinancing is generally used to move a loan from one lender to another.

If you already have an auto loan with Langley, you would typically request a loan modification, not a refinance. A loan modification keeps your existing Langley loan but changes one or more of its terms, such as extending the repayment period or adjusting the payment amount. Loan modifications are generally considered when a borrower is experiencing financial hardship or needs assistance with their current loan.

In short:
Refinance = A new loan replaces your existing loan (typically from another lender).
Loan Modification = Your existing Langley loan is adjusted without creating a new loan.

Loan modifications can be requested in any of our branches or by contacting our Member Experience Center 757-827-5328