Lower your car payment in Tennessee
Drivers across Nashville, Memphis, and Knoxville 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
Tennessee 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 Tennessee
Three simple steps
Refinancing keeps the car you already drive and replaces the loan behind it. A licensed specialist who serves Tennessee 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 Tennessee 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 Tennessee
Vehicle titles in Tennessee are issued by the Tennessee Department of Revenue, Vehicle Services Division.
Effective July 1, 2019, Tennessee law requires county clerks, rather than the Department of Revenue, to perform all notations of liens and extensions of mortgages on certificates of title; the Department continues to process applications for the notation of a second lien.
An application to note a Tennessee lien must be supported by a copy of the lien instrument and, where no lien already exists, the owner's Tennessee certificate of title; an application for a duplicate title is not acceptable supporting documentation, and a conditional sales contract is not acceptable as a lien instrument unless it was previously recorded and is merely being assigned.
Source: Tennessee Department of Revenue - Lien Notation, supporting documentation
The new owner of a repossessed vehicle in Tennessee applies through the local county clerk with a certificate of title reflecting all liens and an affidavit of sales under special condition, or an out-of-state repossession form, completed by the repossessor stating that the vehicle was repossessed and sold under the term of the lien.
Source: Tennessee Department of Revenue - Repossessed Vehicles
Under the Tennessee Electronic Lien and Title program the Department of Revenue maintains an electronic record of the title instead of issuing a paper title while a lien exists, and when the lien is satisfied an electronic release is sent and the title may then be printed or maintained electronically; participation is optional and limited to liens processed through approved ELT service providers.
Source: Tennessee Department of Revenue - Electronic Lien and Title (ELT) Program
A Tennessee duplicate title application requires proof that all liens on the vehicle have been discharged, and if any lien remains the request must originate from the lienholder, with the duplicate title then sent to the first lienholder on record; lienholders and out-of-state applicants apply through the county clerk of the owner's last Tennessee residence.
When an insurance company deems a Tennessee vehicle a total loss the original title and registration are void; the owner of a vehicle less than ten years old may apply for a Salvage Certificate, which prevents the vehicle from being operated on Tennessee roadways, while a Non-repairable Certificate prevents the vehicle from being titled or registered in the state at all.
Source: Tennessee Department of Revenue - Salvage, Non-repairable and Rebuilt Vehicles
A rebuilt Tennessee salvage vehicle must pass an anti-theft inspection before the county clerk can issue title and registration, and the certificate of title that results is permanently branded to record that the vehicle was rebuilt and anti-theft inspected.
Source: Tennessee Department of Revenue - Rebuilt Vehicles, inspection and branding
These are general procedural facts about Tennessee, 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.
- 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.
More states
Auto refinance near you
Ready to lower your Tennessee 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.