Soft credit check only — your score stays untouched.
YOUR CAR STAYS. GETLOWER RATES
Refinance your auto loan in 2 minutes. Lower your monthly payment, slash high interest rates, and keep driving the car you love with zero upfront costs.
Refinancing is not about changing your car.It's about changing the loan behind it.
Same vehicle. Same title. New terms — the rate, the payment, and what the loan costs you over time.
Why drivers refinance
A refinance replaces your current loan with a new one — same car, new terms. The math tends to work when something about your loan, or your life, has changed since the day you signed.
If rates have moved since you first financed — or your credit has — a new loan may capture the difference instead of your original lender keeping it.
02
Reduce your monthly payment
A lower rate, a longer term, or both can bring the payment due each month down. We show you the full cost either way, before you decide anything.
03
Reshape your loan term
Shorten the term to own the car sooner, or extend it for breathing room. Refinancing is the one moment the schedule is yours to set.
04
Move away from a dealer rate
Convenient at the dealership isn't the same as competitive. Refinancing is your second chance to compare the wider market.
05
Remove a co-signer
Refinancing in your own name can release a co-signer once you qualify on your own — a common step after a few years of on-time payments.
06
Potentially reduce total interest
A lower rate over a similar term often means less interest paid over the life of the loan. The estimator below runs both numbers side by side.
Nothing about the vehicle changes — not the title, not the mileage, not where it parks. Only the terms behind it do.
More room in your monthly budget.
A lower rate, a more flexible term, or both — depending on what you qualify for. Every option is spelled out before you decide anything.
01
Lower rate
A reduced APR, depending on what you qualify for today.
02
More flexible term
A schedule shaped around your budget, not the dealer's.
03
Potential monthly savings
Room in the budget that was going to interest instead.
04
Compare available options
Every offer laid out side by side before you decide.
The same road, less expensiveRefinance, don’t replace
How it works
01 / 04
01
Check your options
Enter your email and answer a few quick questions about your current loan. It takes about two minutes — and checking your options won't affect your credit score.
About 2 minutes · Soft credit check
02
Add your vehicle details
Tell us what you drive — make, model, mileage, and VIN. Your vehicle helps determine which offers and rates you qualify for.
Nothing to mail, nothing to scan
03
Review your offer
See personalized rates, monthly payments, and total loan cost side by side. Every number is spelled out before you commit to anything.
No obligation to proceed
04
Your old loan is paid off
Accept an offer and e-sign from home. Your new lender pays off the old loan directly — most refinances wrap up within a few business days.
Title & payoff handled for you
How it works
Four simple steps to refinance your auto loan — done entirely online with no dealership visits.
01
Check your options
Enter your email and answer a few quick questions about your current loan. It takes about two minutes — and checking your options won't affect your credit score.
About 2 minutes · Soft credit check
02
Add your vehicle details
Tell us what you drive — make, model, mileage, and VIN. Your vehicle helps determine which offers and rates you qualify for.
Nothing to mail, nothing to scan
03
Review your offer
See personalized rates, monthly payments, and total loan cost side by side. Every number is spelled out before you commit to anything.
No obligation to proceed
04
Your old loan is paid off
Accept an offer and e-sign from home. Your new lender pays off the old loan directly — most refinances wrap up within a few business days.
Title & payoff handled for you
What determines your refinance rate?
Every lender weighs the same handful of things. Here’s what they’re actually looking at.
01
Credit score
Your credit history carries the most weight. A stronger score generally unlocks lower APRs — and scores change, which is why refinancing later can be worth revisiting.
02
Vehicle age & mileage
Newer, lower-mileage vehicles typically qualify for better terms. Most lenders work within roughly the last ten model years and 125,000 miles.
03
Loan-to-value
How much you owe relative to what the vehicle is worth today. Lower ratios are viewed more favorably by lending partners.
04
Remaining term
The time left on your current loan shapes which new terms — and rates — actually make sense to switch to.
05
Income & debt-to-income
Lenders weigh your income against your existing obligations to gauge comfortable repayment.
Typical guidelines: model years 2014 and newer, under 125,000 miles, and remaining balances from $5,000 to $100,000. Every lending partner sets its own criteria — the rates and terms you’re offered depend on your circumstances and lender underwriting.
Today’s auto refinance rates.
Lowest published APR by term. Updated October 26, 2026 · rates change daily.
TermAPR as low as*Payment per $20,000
36 months4.99%$599/mo
48 months5.29%$463/mo
60 months5.54%$382/mo
72 months5.89%$330/mo
84 months6.24%$294/mo
* APR = Annual Percentage Rate. Rates shown are the lowest available for highly qualified borrowers as of October 26, 2026 and are subject to change without notice. Your actual rate depends on credit history, income, loan amount, term, and vehicle age and mileage. Monthly payment assumes a $20,000 loan at the stated rate and term.
Run your own numbers.
Slide to roughly match your current loan. The estimate updates as you move — nothing is stored and nothing is checked.
A longer term can lower the payment while increasing total interest. Estimate shown for illustration only — not an offer of credit.
Refinance, or stay put?
Staying is always an option — sometimes it’s even the right one. Here’s the honest difference.
Keep current loanRefinance
Monthly paymentWhatever you signedPotentially lower
Annual percentage rateFixed at signingRe-priced today
Total interest paidSet by original termsOften reduced
Term lengthCannot changeYour choice, 36–84 months
Cost to compare—Free
Effect on credit score—None, to look
Your vehicleYoursStill yours
Check my savingsTakes about two minutes · No documents needed to look
See what refinancing could save you.
Enter your email to receive personalized refinance rate offers from leading lending partners. Takes under 2 minutes with no credit score impact.
Questions, answered plainly.
The things drivers ask us most before refinancing. Anything else — support is available seven days a week, by people, not scripts.
No. Comparing options uses a soft credit inquiry, which never affects your score. A hard inquiry only occurs if you choose to formally apply with a lender — standard for any auto loan, and it typically moves a score by just a few points for a short time.
It depends on your rate gap, balance and term. A concrete example: moving a $24,000 balance from 10.5% APR down to 6.4% over 60 months lowers the payment by roughly $47 a month — about $2,800 over the life of the loan. The estimator above builds a personalized figure in seconds.
Sometimes. Many lenders work with loan-to-value ratios above 100%, particularly for borrowers with strong payment histories. Being significantly “upside down” narrows the options, but checking costs you nothing.
Technically, as soon as your paperwork settles. In practice, most drivers see meaningfully better offers after six to twelve months of on-time payments — and waiting is free.
Checking rates through AltFTool is free, always. Some lenders charge modest origination fees, and most states require title-transfer fees — typically $15 to $100. Every offer displays its total cost before you sign anything.
Minutes to compare offers. Once you accept one, most refinances fund within three to seven business days. Keep making your current payments until you receive written confirmation that the old loan is paid off.
We build a personalized rate sheet — real refinance offers based on your loan details — and email it to you, usually within a few minutes. From there you can accept an offer online, or simply ignore it. There's no account to create and no call unless you ask for one.
We use bank-level encryption in transit and at rest, and we never sell your personal information to marketers. Your email is used to deliver your rate sheet and, if you opt in, rate alerts — and you can unsubscribe with one click at any time.
