To refinance your auto loan with Central Pacific Bank, your car must be <=7 years old and have no more than 140,000 miles. 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. Central Pacific 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.