To refinance your auto loan with Drummond Community Bank, your car must be no more than 10 years old and have 120,000 or fewer miles of usage. It may not be registered as commercial or be used for commercial purposes. It must also be registered in an eligible state. 

You must not have any second liens and must be in possession of the vehicle. Drummond Community Bank does not refinance loans on vehicles that are stolen or have salvage titles. 

If you have a co-owner, the co-owner must consent to your application.