Best Auto Refinance Rates: They are the Lowest in Years Starting at 2.49%

And No Payment for the First 2 Months

RefiJet helps car owners lower their car payment an average of $150 a month**

Pre-qualifying for a refinance auto loan does not impact your credit score

Refinance My Auto Loan
Monthly Payment Claim: This average monthly auto loan payment savings reflects loans where the borrower chose to lower their monthly payment. Not every auto refinance is intended to lower monthly payment. These savings are not guaranteed. Individual savings and rates may differ.

How do you find the best auto refinance rates? If you’re thinking about refinancing, it’s critical to understand what rates are available to you. An interest rate is the charge you’ll pay for borrowing money to purchase a car. The lower it is, the less you pay over the long term. The lower it is, the lower your monthly payment is, too if all other terms remain the same.

Want to find out what you qualify for right now? Use the RefiJet form on this page. You provide some basic information, we’ll perform a soft credit pull that does not impact your credit score, and then provide you with available loan offers. It’s that simple. Our goal is to help you get the best auto refinance rates available to you, personally. It just takes a few minutes to find out what those are.

Looking for a Better Auto Loan?

What Are the Best Auto Refinance Rates?

Financial institutions set interest rates based on many factors. That includes a borrower’s credit report and credit score. The economic conditions and market conditions also impact these rates. When looking for the best auto refinance rates, the goal should be to determine which lenders can offer the lowest rates possible based on your specific qualifications.

Also important is to consider what is “good” to you. The best refinancing rates for you need to be as affordable as possible. For example, you may want to look at your original loan. Determine what the current interest rate is. Then, look for a loan that offers a rate that’s lower than this if you qualify for it.

The best rates help you to lower the amount you’re paying on your existing loan. They are also the lowest available to you from the lenders available.

Months

Months

Your Estimated New Monthly Payment:

$ 465.13


Your monthly savings could be as high as $ 134.87 !

That's a total savings on your interest of $ 6,473.78.

***This calculator is a tool for estimating the monthly loan payment at different sample interest rates. The interest rate you input is not a promise or indicator of the actual interest rate for which you may qualify when applying for a refinance loan with RefiJet.

How Do You Compare Interest Rates Among Lenders?

That’s the hard part when it comes to refinancing your auto loan. It’s hard to know which lender will offer the best rates. RefiJet aims to help you with getting this information. When you complete the form on this page, our system goes to work for you. We use your personal information, such as your credit score and what your car is worth, to help you find available loans.

When possible, you will receive multiple loan offers. You can, at that point, see the terms of each loan, including what the interest rate is. You can use that information to help you compare loan offers to determine which one is right for your needs. Having many lenders in our professional network allows us to gather many loan offers for you. That takes the guesswork out of the process for you.

Auto Refinance Eligibility Requirements

These are some of the requirements needed to be able to pre-qualify for auto loan refinancing.

Auto Refinance Requirements

Are you employed or have a verifiable source of income?

Auto Refinance Requirements

Have you made your recent car payments on-time?

Auto Refinance Requirements

Your vehicle must be 10 years old or newer.

Auto Refinance Requirements

Your vehicle must have full coverage insurance.

Auto Refinance Requirements

You must have a valid vehicle registration.

Auto Refinance Requirements

You must have a valid driver's license.

Auto Refinance Requirements

What Factors Do Lenders Use to Determine Which Interest Rate to Offer?

Car loans are like many other types of loans. Lenders need to gather as much information about you as possible to determine what interest rate they can offer to you. Often, they base this information on risk. The more of a risk a borrower is, the higher the interest rate may be charged to that borrower. You may still qualify for an auto refinance loan even if you do not have a perfect credit score.

Some factors that lenders use to make that decision include the following:

Credit Scores

Your credit score plays a role in determining risk. That’s because a lower credit score indicates you may have had some difficulties in the past with making payments on time or lack experience in borrowing. Often, lenders use your past experiences as a way to determine what the future may hold. If you were late before, you might be late again, for example. On the other hand, a high credit score may allow lenders to offer more loan options and some of the lowest rates.

What Your Car Is Worth

Some lenders set a minimum loan requirement. They may not lend unless your car is worth at least that much money. More so, if your car is not valuable due to an accident or excessive age, that may make it harder for a lender to offer the lowest rates.

Debt-to-Income Ratio

Lenders also look at your debt-to-income ratio. This is the amount of debt you have across all forms compared to how much income you have coming in. Again, the goal is to have as little debt as possible compared to the income you have. That way, you have more available funds to help cover the cost of your new loan. Debts included in this may include any other type of loan, including credit cards, mortgages, and personal loans.

Auto Loan Terms

Loan terms also may play a role in this decision. The loan’s term is the length of time it takes to pay off the loan. Options range widely based on the age of a car as well as your needs. Longer terms may have some benefits to consumers. That helps to extend the repayment out and helps lower monthly payments. Many times, a longer term may also offer a lower interest rate. Shorter terms are not something to overlook, though. Paying off your auto loan refinance in a shorter term may mean you pay less overall. There’s less time for the interest to build on the loan.

Borrowing Amount

The amount of money you are borrowing may also play a role in the interest rate you are charged. Larger loans may cost more. There is more risk to the lender by offering a lot of money rather than a smaller amont. Still, if you owe a significant amount of money on your existing loan, it may still be possible to qualify for a lower interest rate overall. Loan amounts are just one component of a much larger picture.

Why Customized Auto Loan Quotes Are So Important

Auto refinance loans may help you to get into a car loan that is more affordable for you. That may make it easier for you to make payments on time to your lender. It’s often worth it to refinance. However, getting the best auto loan refinance rates for you may make it even more worthwhile.

That’s why RefiJet works to provide you with personalized loan offers. Instead of just offering a single loan that you may qualify for, we work to help you find out if you qualify from multiple lenders. It only takes a few minutes to learn about these offers, but you’ll know your options are once you get a customized loan offer from us.

A custom auto refinance loan offer allows you to know what to realistically expect. We provide you with more than one loan, when available, to help you have options to compare. You don’t have to apply numerous times to various banks, credit unions, or other financial institutions. At the same time, you’re not getting an average rate or the current going rate for auto refinance loans. These loan offers are designed for you, and that means you can take advantage of them right away.

Simple Process

1
Talk to Our Auto Refinancing Experts

Our staff of financial experts is just like you: honest, hard-working, and they take great pride in their 5-star rating. Let them help you decide on the refinance option that works best for you.

2
Get Prequalified

We know you hate filling out paperwork, so we made the process super-easy. We’ll let you know all of your options so you can pick the loan that works the best for you. You can even get pre-qualified without affecting your credit score.

3
Decision Time

We present you with options from lenders that fit your situation. Then you choose the loan that works the best for you. We’ll do all the heavy lifting (we even do the paperwork) and submit it to the lender.

What If You Aren’t Sure?

When applying for car loans, some people just want to know what they qualify for before they decide to refinance. You may want to know the best auto refinance rates available to you before you commit to moving forward with the process. That’s something you can do with RefiJet. That’s because you are not obligated to use any loan from our partner lenders. You can simply request information by filling out the form below to learn what your options may be, and then make a decision that works for you.

That’s another one of the benefits of using RefiJet. You don’t have to worry about getting trapped into a loan that’s not a good fit. Refinancing a car loan should be something you are confident in. That’s why we help you closely to learn what’s available to you.

How Do You Find the Best Auto Refinance Rates Available to You?

At RefiJet, we make the process as simple as possible. You can speak to our auto refinancing experts to get information. Our team of financial pros is dedicated to helping you. They are honest, open, and take pride in providing stellar customer service to you. It’s really important to us that you’re happy with the final outcome of our products and services. We’ve worked to create a network of national lenders ready to support you.

Ask us anything. Then, complete the refinance process. No one likes to deal with paperwork. That’s why we’ve worked to keep it as straightforward as possible.

By filling out the form at the bottom of this page, you’ll provide us with information about yourself, your car, and other info that may help us find the best loan options available to you. We then perform a soft credit pull. That does not impact your credit score in any way. Rather, it provides prospective lenders information about your credit qualifications. It’s not a formal, hard inquiry on your credit report.

Once this is done, we then present you with loan options for our partner lenders that may work for you. Keep in mind these are personalized to you, not just averages. That means you can see the information you need to make a decision about whether refinancing your vehicle is right for you, including refinance rates, prepayment penalty information, terms, and other conditions. You’ll know what the car payments will be.

Our online lenders are here to help you with auto refinance loans. Yet, you can then decide what works for your situation. Choose the loan offer that helps you achieve your goals, such as a lower interest rate.

Take a moment to consider what the best auto refinance rates are in your situation could be. What would a lower payment or interest rate mean to your budget?

Our Rates Are Always Updating

The best auto refinance rates can change over time. Lenders change what they offer frequently. We work to be sure you always have the most up to date information. Yet, remember that loan rates may change over time once you receive loan offers from online lenders. Be sure to act quickly to lock in the rate that is currently available to you.

Why Trust RefiJet?

Our team is here to help you. We use advanced auto refinance technology to locate the best auto refinance loan rates available in your situation. We are also fully committed to protecting your privacy and meeting all compliance requirements. Our 5-star ratings help us to demonstrate our dedication to providing you with the quality service you need when making a big decision like this.

Take a closer look at the rates lenders are currently offering to you. Make a decision on what actions you should take now to get the loan offer you need. There’s no time like right now to take action to find out what your options may be available to you.

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RefiJet is an auto-refinance company that specializes in offering personalized help & support to find consumers the best auto refinance loan for which they qualify. RefiJet partners with a national network of leading financial institutions & delivers quick quotes at competitive rates.

RefiJet has auto refinance solutions for you to:

  • Lower your monthly payment- $150 Average Monthly Savings*
  • Reduce your loan’s interest rate
  • Add or remove a co-borrower
  • Extend your auto loan for added flexibility
  • Buy out your lease
  • Get cashback from the equity in your car
  • Protect your vehicle with an Extended Service Contract
  • Minimize your risk with Guaranteed Asset Protection
  • Take a vacation from your next loan payment

Pre-qualify for a refinance auto loan in minutes with no impact to your credit score.

Important Disclosures and Requirements

Federal ESIGN Disclosure and Consent 

 Electronic Consent:  Consent to Receive Information Electronically 

The Electronic Signatures in Global and National Commerce Act requires users of this Site who submit a Contact Form (“you” or “your”) consent to receive certain disclosures electronically. Please read this disclosure and consent carefully and retain a copy of this document for your records. 

ELECTRONIC RECORDS 

Some communications with and disclosures by Yield Solutions Group, LLC dba RefiJet.com (“RefiJet.com” or “us” or “we”) on its behalf and on behalf of participating banks, finance companies, and credit unions (hereinafter called “Lenders”) are conducted electronically. In order to access, receive and retain required notices and your documents, including, any notices and disclosures required by state or federal law, such as our Privacy Noticeloan documents and disclosures that we provide to you on behalf of any Lenderand any other transaction notices and information from us (collectively, “Documents”) electronically, you must satisfy the minimum system requirements outlined below. However, if you wish to obtain a paper copy of any Documents that RefiJet provides you in connection with your credit inquiry and any subsequent application to our Lenders, you may contact Yield Solutions Group, LLC (dba RefiJet.com) in writing at 5775 DTC Blvd Suite 400, Greenwood Village, CO 80111 or by email at Info@RefiJet.com. We currently do not charge a fee to send you a paper copy of any electronic Document, but reserve our ability to do so. Be sure to state which of the Documents you are requesting.  

RefiJet.com reserves the right, in its sole discretion, to stop providing Documents electronically. RefiJet may also send Documents to you in paper form because we are legally required to do so or because we determine in our sole discretion that you should receive the Documents in paper rather than electronic form.  RefiJet.com will provide you with notice of any such termination as required by applicable law. If RefiJet.com chooses to stop providing Documents electronically, RefiJet.com will send any future Documents to you in paper form. Certain disclosures, however, will be made to you verbally if permitted by applicable law (the “Verbal Disclosures”).   

YOUR CONSENT IS REQUIRED 

You must consent to receive Documents electronically in order to complete the credit inquiry process with RefiJet.com and any subsequent loan process with one of our participating Lenders. Your consent will apply to Documents as defined above. You may withdraw your consent for receiving electronic Documents by notifying us in any of the ways described above. Since RefiJet.com is structured to process all or part of your credit inquiry and any subsequent loan  electronically, not consenting, or withdrawing your consent to receive electronic Documents may result in the termination of the credit inquiry and/or loan process. Your withdrawal of this consent is effective only after we have had a reasonable period of time to act upon your withdrawal. Even if you consent, note that the Verbal Disclosures will be made to you telephonically. 

If you wish to withdraw your consent to do business electronically with our participating Lenders, you may do so at no cost to you by contacting the Lender at the mailing address, email address or telephone number they provide to you separately for such purpose.  

CONSENT TO RECEIVE DOCUMENTS ELECTRONICALLY 

In order to use this service, you must consent to receive Documents electronically and you agree that these electronic disclosures will be sufficient as a “writing” under applicable law.  

HARDWARE AND SOFTWARE REQUIREMENTS 

In order to receive, access and retain electronic Documents, you will need the following hardware and software: 

  • a computer, mobile device, tablet or similar device with an internet connection; 
  • a current web browser that supports HTTPS connectivity;  
  • a current version of a software program that can open and display PDF files (such as an Adobe Acrobat reader); 
  • a valid email address with email software to communicate with us electronically; and 
  • an installed printer or sufficient storage space to save, store, print or otherwise retain electronic Documents. 

 These disclosures and the Documents are both provided to you in PDF; therefore, your access to this page from your own system/device verifies that your system/device has the necessary software to permit you to receive and access PDF files. 

If the system requirements for accessing the copy of your Documents on the secure webpage change so as to require different or additional hardware or software, or upgrades, plug-ins or enhancements to the hardware or software used by you (all such changes referred to as a “Systems Enhancement”), we will notify you and you may either withdraw your consent or upgrade your hardware and/or software as required by the Systems Enhancement.  

This consent is valid until revoked by either party. 

It is important that you keep your email address current with us.  Please notify us at 1.800.260.5355 if your contact information changes at any point in the refinance process.  We may treat your failure to provide us with a valid email address, or the malfunction of the email address we have for you, as a withdrawal of your consent to receive Documents electronically. 

System Requirements to Retain Information 

If you have a valid email address, a copy of the loan Documents will be provided to you upon execution in the form of an email link to a secure portal that will contaithe PDF loan documentsYou will log into the secure portal using your access credentials. The PDF document will be available to you in the secure portal for thirty (30) days. To retain a copy of the Documents, you may choose to print them, save them or both. In order to print them, you must have a functioning printer connected to your personal computing device.  If you wish to retain an electronic version of the Documents, you must have a personal computing device with the hardware and software necessary to download and store PDF files. 

By clicking to accept, you: 

  • acknowledge your receipt and review of the foregoing Federal ESIGN Disclosure and Consent; 
  • give your affirmative consent to our providing electronic Documents to you as described above; and 
  • confirm that your computer or access device satisfies the hardware and software requirements needed to access and retain the Documents that will be provided to you in electronic form, including through use of a valid email address to access a link to secure portal to access the Documents. 

If you do not click to accept you are not consenting to our providing electronic Documents to you as described above, and you are terminating your transaction with us