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Today's Average Auto Refinance Rates
Auto refinance rates change frequently. Here are today's auto refinance rates.
Excellent
750-850
750-850
Good
700-749
700-749
Fair
640-699
640-699
Poor
0-639
0-639
36 months
4.67%
6.48%
8.03%
11.84%
48 months
5.55%
7.15%
10.11%
13.27%
60 months
5.68%
7.05%
9.81%
13.43%
72 months
6.15%
7.16%
9.84%
13.35%
* Rates may not be available in all states. Customers must meet income qualifications, debt to income requirements and other vehicle restrictions such as loan to value, age, and mileage.
Today's Average Auto Refinance Rates
Auto refinance rates change frequently. Here are today's auto refinance rates.
*Rates may not be available in all states. Customers must meet income qualifications, debt to income requirements and other vehicle restrictions such as loan to value, age, and mileage.
Does your vehicle qualify for refinancing?
Your vehicle is...
Under 10 years old
Under 120,000 miles
A personal use vehicle
Your auto loan has...
A balance between $10,000 and $55,000
Funded at least 1 month ago
At least 24 months of payments left
* Annual Percentage Rate (APR) estimates represent an average of available rates among lenders in rateGenius’ lender network across various geographic regions. The estimates assume a loan to retail value ratio (LTV) of no more than 125% and a debt to income ratio (DTI) of no more than 50%. In addition to an individual’s LTV and DTI, the actual APR you may receive is dependent upon many factors evaluated at the time of application, which may include, among other factors, credit score, loan amount, loan term, vehicle information, credit usage and history. All loans are subject to credit review and approval. Estimated APR’s may not be available in the geographical area of your residence. While efforts have been made to maintain accurate information, the estimated APR or other terms presented do not bind any lender. Lenders generally have a range of available APRs (for example, a lender’s range might be 2% to 24%) and only borrowers with excellent credit will qualify for the lowest rate available.
* This value was calculated by using the average monthly payment savings for our customers from January 1, 2025 to June 30, 2025.
** For well-qualified borrowers. Rates are subject to change and may not be available in all states. Customers must meet income qualifications, debt to income requirements and other vehicle restrictions such as loan to value, age, and mileage.
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