Auto loans from 4% to 7% APR.
Remus Trading LLC finances new and used vehicles, refinances existing car loans, and works directly with you from our office in Escondido, California.
Estimate your monthly payment
Estimate only. Does not include taxes, registration, or fees. Your actual APR depends on credit approval.
Current auto loan rates
Every rate we offer falls between 4.00% and 7.00% APR. Where you land depends on your credit history, loan term, vehicle age, and down payment.
| Loan type | Term | APR range | Min. amount |
|---|---|---|---|
| New vehicle | 24–60 months | 4.00% – 5.99% | $5,000 |
| New vehicle | 72–84 months | 4.99% – 6.75% | $15,000 |
| Used vehicle (up to 7 years old) | 24–72 months | 4.49% – 6.49% | $5,000 |
| Used vehicle (8+ years old) | 24–60 months | 5.49% – 7.00% | $5,000 |
| Refinance | 24–72 months | 4.25% – 6.75% | $7,500 |
| Lease buyout | 24–60 months | 4.49% – 6.99% | $7,500 |
Rates effective September 2026 and subject to change without notice. APR = Annual Percentage Rate. All loans are subject to credit approval.
Loans we offer
Financing for the way people actually buy cars, whether that's from a dealership lot, a private seller, or the lease you already drive.
New car loans
Finance a new vehicle from any licensed dealer with terms up to 84 months and our lowest available rates.
Used car loans
Competitive rates on pre-owned cars, trucks, and SUVs, including older and classic vehicles.
Auto refinancing
Move your current car loan to a lower rate or a payment that fits your budget better.
Private-party purchases
Buying from an individual seller? We handle the payoff and title paperwork so the sale goes smoothly.
Lease buyouts
Keep the car you're leasing. We finance the buyout amount so you can own it outright.
Pre-approval
Know your budget and rate before you shop, and negotiate with the dealer like a cash buyer.
How it works
Three steps from application to keys in hand.
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Apply
Send us the form below or call (213) 377-2202. It takes about ten minutes.
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Get your decision
We review your application and come back with your rate, term, and monthly payment.
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Drive
Sign your documents, and we pay the dealer or seller directly.
Common questions
What determines my APR?
Your rate between 4.00% and 7.00% is based on your credit history, income, the loan term, the age and value of the vehicle, and how much you put down. Shorter terms and newer vehicles generally qualify for lower rates.
What documents do I need to apply?
A valid driver's license, proof of income (recent pay stubs or tax returns), proof of residence, and details about the vehicle you want to buy or refinance.
Is there a penalty for paying off my loan early?
No. You can make extra payments or pay off your loan at any time without a prepayment penalty.
Do I need to live in California?
Call us at (213) 377-2202 to confirm whether we can lend in your state.
Can I finance a classic or collector car?
Yes. We finance older and collector vehicles. Rates for vehicles eight years and older start at 5.49% APR.
Start your application
Fill out the form and a loan officer will call you, or reach us directly.
- Phone
- (213) 377-2202
- Office
- 203 Crestview Glen
Escondido, CA 92026 - Hours
- Monday–Friday, 9 am – 6 pm
Saturday, 10 am – 3 pm