Lower your monthly car payment.

Save $100’s a year by refinancing

APPLY FOR REFINANCING Lower your interest rate, reduce your monthly payment, and enjoy a grace period before your next payment is due! Refinance your car today with Granite Bay Acceptance!


You can reduce your montly payment by simply refinancing your existing car loan.

Save on your monthly payment

Get a grace period before your next payment

Cut your interest rate in half, as low as 1.99% APR*

Save Money. Get Extra Cash.

With auto refinance you could pay off your existing car note and replace it with a more affordable auto loan.
  • Lower your monthly auto payments
  • Lower your annual percentage rate

Lower Monthly Payments with Auto Refinancing

Car loan refinancing allows you to reduce your monthly payment, lower the amount of interest paid, or a combination of both.

Refinancing your auto is probably one of the best kept secrets for saving money!

Bad credit? No problem!

We specialize in financing and servicing new and used auto loans for customers with less-than-perfect credit. Get Started Now




Established in 2006, Granite Bay Acceptance (GBA) is a direct/indirect auto finance lender. GBA uses non-traditional underwriting procedures to identify credit worthy consumers for loans that otherwise would be overlooked due to credit score.  GBA looks to lend beyond the credit score to make sure that a consumers entire risk profile is evaluated. GBA works with its network of over 5,000 dealers nationwide to help consumers finance the right vehicle for their needs.  Through our long standing relationships with auto dealers and our management teams 60+ years of auto lending experience GBA is focused on helping consumers qualify for the right financing. Get Started

Contact Us


Corporate Office 1781 Vineyard Drive Suite 222 Antioch, CA 94509-8552 Phone 925-779-1801 E-mail


Get qualified for an auto loan today. Apply for car loan