Refinance Rates
- Today's Current Auto Refinance Rates
Auto refinance rates change frequently. Here are today’s current auto refinance rates.
| Loan Term | Excellent 750-850 | Good 700-749 | Fair 640-699 | Poor 639 or less |
|---|---|---|---|---|
|
36 Months
|
4.67% |
6.48% |
8.03% |
11.84% |
|
48 Months
|
5.55% |
7.15% |
10.11% |
13.27% |
|
60 Months
|
5.68% |
7.05% |
9.81% |
13.43% |
|
72 Months
|
6.15% |
7.16% |
9.84% |
13.35% |
* These rates are current as of January 21, 2025
Get Today's Current Auto Refinance Rates
See the Latest Refinancing Interest Rates for Your Car Loan
Wondering if now is the right time to refinance your auto loan and lower your monthly payments? On this page, you can view today’s current rates for refinancing your car loan so you can decide if refinancing makes sense for your financial situation.
We track daily auto refinance rate movements so we can provide the most up-to-date refinancing interest rates. Rates fluctuate often based on market conditions, so it’s important to check frequently when considering refinancing.
Benefits of Refinancing Your Auto Loan When you refinance your car loan, you take out a new loan to pay off your existing one. This allows you to potentially:
- Lower your interest rate and monthly payment
- Shorten your loan term
- Switch from a variable to fixed interest rate
- Access cash by increasing your loan amount
Refinancing only makes sense if you can get a lower rate than your current loan. Use the current rates below to see if you can save money each month by refinancing.
As you can see, interest rates for auto refinancing are still competitive. Even a small rate reduction could allow you to pay less each month and get out of debt faster.
Before refinancing, also consider:
- Any prepayment penalties your current lender may charge
- Refinancing costs like application fees
- How long you plan to keep the vehicle
Our Artificial Intelligent auto finance engine can help you determine if refinancing is your best option. Get personalized rates for free without impacting your credit score.
- Frequently Asked Questions
Find Answers to Common
Questions
We’ve compiled a list of frequently asked questions to provide you with quick and helpful
answers. If you have a question that is not addressed below Contact Us
To apply for a refinance loan through our platform, simply follow these streamlined steps:1. Click on “Get Rate”.
2. Answer a few straightforward questions.Once you’ve provided the necessary information, our advanced Artificial Intelligence system will promptly take over the process. It will meticulously match you with the lender most suited to your location and specific needs, based on your responses. The entire process is designed to be user-friendly and efficient, ensuring you find the best match with ease and convenience.
2. Answer a few straightforward questions.Once you’ve provided the necessary information, our advanced Artificial Intelligence system will promptly take over the process. It will meticulously match you with the lender most suited to your location and specific needs, based on your responses. The entire process is designed to be user-friendly and efficient, ensuring you find the best match with ease and convenience.
We evaluate lenders who are experts in Auto Refinance and Lease Purchase services and have the best interest rates in the industry.
Absolutely! Rest assured, the information available on our website is wholly trustworthy. We stand by our stringent commitment to deliver only the most accurate, up-to-date, and reliable data in the field of auto refinance lending.Our broad range of reviews and analyses are thoroughly researched and composed by experienced industry experts, guaranteeing superior quality and reliability in every piece of information. We forge partnerships with credible auto refinance companies and employ state-of-the-art Artificial Intelligence to accurately match you to the right lender, providing a foundation for you to make your informed decisions from there
We value your journey in making financial decisions, and we're here to provide you with unparalleled insights and information. However, it’s crucial to clarify that we do not provide financial advice or recommendations. Our role is to present you with meticulously researched and reliable information about our trusted lenders, allowing you to make well-informed decisions.
We prioritize your privacy and peace of mind above all! When you submit your information on our platform, rest assured, it is handled with the utmost care and confidentiality. Our advanced Artificial Intelligence system meticulously matches your profile with the most suitable lender based on your unique needs and preferences. We only share your information with the lender you match with – and with no one else.No hassle and disturbance of receiving calls from multiple lenders. With us, there’s absolutely no risk of getting inundated with calls from various lenders, no spam calls, and no unwarranted disturbances. Your journey with us is smooth, secure, and tailored just for you.
Refinancing an auto loan with bad credit can indeed be challenging, and the possibilities largely depend on various factors including the lender's policies and your individual financial circumstances. Each lender has its own set of criteria, and what one lender may consider unacceptable, another might be willing to accommodate.Importantly, our platform does not pull credit for the initial decision, allowing you to explore your options without any impact on your credit score. You truly have nothing to lose! Our advanced system provides you with the opportunity to discover potential matches and make informed decisions without any obligations or impacts on your credit profile.
The presence of any fees associated with refinancing your auto loan is indeed dependent on the individual lender's policies. Currently, Auto Approve stands out as the singular lender on our platform that offers the convenience of zero application and zero processing fees, creating a seamless and cost-effective experience for you.However, we strongly recommend that you meticulously review all fee-related information provided by the lender before making any final decisions. Every lender has its unique structure and it’s imperative to be well-informed about any additional costs that might be involved in the refinancing process.
No worries at all! Exploring your refinancing options with us won’t put a dent in your credit score. After our smart and savvy Artificial Intelligence finds your ideal match amongst our lenders, you'll be pre-qualified without any credit pull. It’s like window-shopping for your perfect fit, all while keeping your credit untouched! It is fast and easy! 1. Click on “Get Rate”.
2. Answer a few straightforward questions.
2. Answer a few straightforward questions.
Great question! Your new interest rate is determined by a multitude of factors and can vary depending on the lender's criteria, your credit score, loan amount, and other financial considerations. It’s like crafting a bespoke suit; it’s tailored just for you, based on your unique financial profile!It is fast and easy! 1. Click on “Get Rate”.
2. Answer a few straightforward questions.Our platform is designed to illuminate your path by presenting the most suitable options available, all thanks to our advanced Artificial Intelligence that matches you with the ideal lenders. While we provide a gateway to potential refinancing solutions, the finalized interest rate will be presented by the lender once you decide to proceed with an offer.
2. Answer a few straightforward questions.Our platform is designed to illuminate your path by presenting the most suitable options available, all thanks to our advanced Artificial Intelligence that matches you with the ideal lenders. While we provide a gateway to potential refinancing solutions, the finalized interest rate will be presented by the lender once you decide to proceed with an offer.
Absolutely! Refinancing your current loan is more than possible—it's a practical step towards a friendlier financial future! This opportunity can help you discover better loan terms, lower interest rates, and manageable monthly payments, all tailored to fit your lifestyle and budget.Our friendly Artificial Intelligence is here to make things easy and precise for you. It understands your unique needs and quickly connects you with the ideal lender from our trusted partners. It’s like having a knowledgeable friend who knows exactly what you need and who can show you the right direction!So, why wait? Get Your Rate Now with the comfort of knowing you’ve got smart technology on your side, helping you make the best decisions to match your financial dreams. Welcome to a world full of smart, friendly, and tailored auto refinancing options! 🌐