Lower your car payment in minutes
Keep your car. Drop your rate. Many drivers cut their monthly payment by refinancing into better terms.
- Free, no-obligation matching
- Encrypted, secure connection
- Licensed loan officers & agents
- Won't affect your credit score
Auto refinance
See what you could save
Enter your current loan and adjust the refinance terms. We'll show your new payment, total interest, and savings — instantly, with no credit impact.
Your current car loan
Pre-filled with an example. Replace these with your own numbers to see your estimate.
A refinance to compare against
Move these to see how a different rate or term would change your payment.
Projected savings
Save $211/mo and $4,153 over the life of the loan.
Projected savings
Monthly payment
−$211
less each month
Over the loan
$4,153
total savings
Save $211/mo and $4,153 over the life of the loan.
| Current | Refinance estimate | |
|---|---|---|
| Monthly payment | $565.00 | $354.31 |
| APR | 14.2% | 5% |
| Term | ≈ 53 mo | 6 yr |
| Total of payments | $29,663 | $25,510 |
| Total interest | $7,663 | $3,510 |
The new term is 19 months longer, yet the lower rate still cuts total interest by $4,153.
Your next step
Confirm your $211/mo
A licensed specialist reviews your details and options in about 3 minutes — free, with no credit impact.
- No credit impact
- ~3-minute call
- We answer Mon–Fri, 9am–6pm CT
- Licensed lender network
Estimates only. Figures are illustrative, based solely on the information you enter, and are not an offer, pre-approval, or guarantee of any rate, payment, savings, or coverage. Any actual rate, payment, and total cost are determined by a licensed loan officer or lender after review and may differ. A longer loan term lowers the monthly payment but increases the total interest you pay. Estimates exclude taxes, title, and other fees.
Prefer a standalone view? Open the calculator on its own page.
The benefits
Why drivers refinance with RefiSolutions
A lower monthly payment
Free up cash flow by refinancing your remaining balance into a better rate.
Pay less interest
A lower APR on the same term means more of every payment goes to principal.
No dealership runaround
Share your details online and we connect you with a licensed specialist who walks you through your options — no lot, no pressure.
How it works
Three simple steps
- 1
Share your loan details
Tell us your balance, rate, payment, and remaining term — it takes about two minutes.
- 2
See your estimated savings
Our calculator shows your potential new payment and total savings, side by side — an estimate, not a quote.
- 3
Connect with a licensed specialist
We match you with a licensed loan officer who reviews your real options and handles any refinance with you.
Why people choose us
Real people. Real explanations.
Real licensed professionals
We connect you with licensed loan officers and insurance agents in your state — not a call-center script. They review your actual options with you.
Free, with no obligation
Our matching service is free to you, and you're never locked in. Checking your numbers won't affect your credit score.
Clear, careful, and secure
Someone explains every number in plain English. Your information is encrypted, and you choose who contacts you and when.
Guides
Read before you refinance
Plain-spoken guides on how the process actually works, what lenders weigh, and the tradeoffs worth knowing before you commit.
- How Does Auto Refinancing Work? A Step-by-Step GuideA step-by-step guide to how auto refinancing works, from checking your current loan to underwriting, payoff, and what lenders actually weigh.
- Auto Refinance With Bad Credit: What Score Do You Need?What credit score do you need to refinance a car? How FICO tiers affect approval and rate, and what Fair or Poor credit borrowers can realistically expect.
- Auto Refinance After Repossession or BankruptcyA plain-spoken guide to whether auto refinancing is possible after a repossession or bankruptcy, what lenders weigh, and practical steps that help.
- Refinance a Car Loan With a Cosigner — or Remove OneHow cosigners work on auto refinance loans: when adding one helps, the real risk they take on, and how to remove one by refinancing in your name alone.
- Auto Refinance Rates by Credit Score: What to Expect in 2026How credit tiers shape auto refinance rates, plus the other factors lenders weigh — loan term, vehicle age, and how much you owe versus what it's worth.
- Auto Refinance vs. Trade-In: Which Actually Saves More?Refinance or trade in? How each option handles negative equity, what changes about your loan, and which one actually fits your situation.
- How Soon Can You Refinance a Car Loan?No law sets a waiting period. What decides when you can refinance is your payoff and lien release, the new lender's own limits, and whether you are underwater.
- Refinancing a Car When You Owe More Than It's WorthOwe more than the car is worth? Negative equity narrows which lenders will refinance you but rarely rules it out — here's what actually decides it.
- What You Need to Refinance a CarThe short checklist of documents and eligibility a lender actually checks to refinance a car — including the payoff quote most people forget.
- Can You Refinance With the Same Lender?Usually not — a lender has little reason to cut the rate on a loan it already holds. Here's what to do instead, and why a refinance means a new lender.
- Does Refinancing a Car Loan Hurt Your Credit?What happens to your credit report when you refinance a car loan, why the dip is usually small and temporary, and the one mistake that does real damage.
By state
Auto refinance in your state
See localized savings and connect with a licensed specialist serving your state.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
- Washington, D.C.
Questions
Auto refinance FAQs
Does refinancing my car hurt my credit?
Checking your estimated savings with our calculator has no impact on your credit. If you move forward, a licensed lender may run a hard credit inquiry, which can lower your score by a few points temporarily. Over time, refinancing can also help your credit through lower utilization and on-time payments.
How long does it take to refinance a car?
Many auto refinances are completed within a few days to a couple of weeks, depending on the lender and your paperwork. You can get an estimate from our calculator in about two minutes, and a licensed specialist can walk you through the rest.
What do I need to refinance my auto loan?
Typically your current loan details (payoff balance, rate, payment, and remaining term), your vehicle information (year, make, model, and mileage), and basic personal and income information. A licensed specialist will tell you exactly what's needed for your situation.
Can I refinance if I owe more than my car is worth?
Sometimes. Being 'upside down' can make refinancing harder, but options may still exist depending on the lender and how far underwater you are. A licensed specialist can review your situation honestly and tell you whether it makes sense.
Is there a fee to use RefiSolutions?
No. Our matching service is free to you. We may be paid a referral or marketing fee by the licensed professionals we connect you with, which never changes what you pay.
Ready to lower your car payment?
Run your numbers above, or talk to a licensed specialist now. No obligation, no pressure — just a clear picture of your options.
RefiSolutions is a free matching service — not a lender, mortgage broker, or insurance agency. We connect you with licensed professionals who contact you about your request. You're never charged by us, and you're under no obligation.
Estimates only. Figures are illustrative, based solely on the information you enter, and are not an offer, pre-approval, or guarantee of any rate, payment, savings, or coverage. Any actual rate, payment, and total cost are determined by a licensed loan officer or lender after review and may differ. A longer loan term lowers the monthly payment but increases the total interest you pay. Estimates exclude taxes, title, and other fees.