Lower your car payment in Florida
Drivers across Miami, Tampa, and Orlando are checking whether a lower rate could cut their monthly payment. Run your numbers below — it’s an estimate, free, and has no impact on your credit.
- Free, no-obligation matching
- Encrypted, secure connection
- Licensed loan officers & agents
- Won't affect your credit score
Florida 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.
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.
Refinancing in Florida
Three simple steps
Refinancing keeps the car you already drive and replaces the loan behind it. A licensed specialist who serves Florida reviews your real options with you — no dealership, no pressure.
- 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.
The benefits
Why Florida 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.
What’s different about refinancing a car loan in Florida
Vehicle titles in Florida are issued by the Florida Department of Highway Safety and Motor Vehicles (FLHSMV).
Florida law directs the department to deliver the certificate of title to the first lienholder (or to the owner if the first lienholder's notice of lien so directs), and a first lienholder in possession may retain the certificate until the first lien is satisfied.
Source: Florida Statutes s. 319.24, Online Sunshine (Florida Legislature)
A lienholder that receives final payoff must mail or otherwise deliver a lien satisfaction and the certificate of title showing the satisfaction within 10 working days, or within that same period notify the person satisfying the lien that the title is not available.
Source: Florida Statutes s. 319.24(5)(a), Online Sunshine (Florida Legislature)
Participation in Florida's Electronic Lien and Title program has been mandatory for lenders since January 1, 2013, so a satisfied lien is released electronically to FLHSMV and the title remains electronic until the owner requests a paper copy through the MyDMV Portal or a tax collector office.
Source: Electronic Lien and Titles, Florida Department of Highway Safety and Motor Vehicles
A refinancing lender's lien is not enforceable against creditors or subsequent purchasers for valuable consideration and without notice unless a sworn notice of lien has been filed with the department and the lien has been noted on the certificate of title, and lenders in the business of financing vehicles must transmit liens and lien satisfactions to the department electronically.
Source: Florida Statutes s. 319.27, Online Sunshine (Florida Legislature)
Under Florida's enactment of the Uniform Commercial Code, a lender holding a security interest in a vehicle may take possession after default either through judicial process or without any court order at all, provided it proceeds without a breach of the peace.
Florida law lets the borrower, any secondary obligor such as a cosigner, or another lienholder redeem a repossessed vehicle by fulfilling all obligations it secures plus the lender's reasonable expenses and attorney's fees, but that right ends once the lender disposes of the collateral or contracts to dispose of it.
In a Florida consumer-goods transaction, the notice a lender sends before selling repossessed collateral must describe any liability the person has for a deficiency and must supply a telephone number from which the amount required to redeem the vehicle can be obtained.
After a repossessed consumer vehicle is sold, Florida requires the lender to send a written explanation of how it calculated any surplus or deficiency, itemizing the obligations secured, the sale proceeds, and the expenses charged, before or when it first demands payment of the shortfall.
A licensed Florida recovery agent must make a dated, signed inventory of personal belongings left in a repossessed vehicle, notify the debtor in writing within five working days of where that property is held, and give at least 45 days' notice by certified mail before disposing of it.
How co-owners are joined on a Florida certificate of title controls who must sign to transfer it: names joined by the word "or" create a joint tenancy in which any one co-owner's signature is proper endorsement, while names joined by "and" require each co-owner to sign.
These are general procedural facts about Florida, not advice about your loan. Rules change, and your lender’s own process may add steps — a licensed specialist can tell you what applies to your situation.
Guides
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.
More states
Auto refinance near you
Ready to lower your Florida 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.