Auto Refinance Calculator

Refinance your auto loan

Last year we saved borrowers $1,158/yr on average refinancing their car loan

Current monthly payment


Balance left on loan


Remaining loan term


New loan term


Credit score

Loan Savings




Simple & easy
auto loan refinance.

Refinancing your auto loan can help you reduce your monthly payments, in addition to reducing your interest rate. Our refinance customers tend to save over $1,000 per year (and lower their APR by 50%). 

A simple, intuitive online process.

Mobile with clock bottom right corner and gray background

1. Apply in minutes

Ready to save on your car payments? Fill out your application online or over the phone, just enter a few easy details about you and your vehicle and we'll have you on your way.

2. Confirm your details

We’ll let the numbers speak for themselves. Our network of trusted lending partners competes to deliver you APR as low as 2.99% on approved credit. 

3. Sign & finalize online

Sign your documents with just a few taps from your own mobile device, and you are ready to go. Interest accrues from the date of the new finance contract. 

Shop with confidence

With our network of lenders, we have solutions for all credit profiles. Knowing how important an auto loan can be for financial freedom (and mobility), we work with people across the credit spectrum to find fair rates.  

Frequently Asked Questions

During the application, we do a soft pull on your credit that will not negatively affect your credit score. Only when you choose an offer to submit for lender approval, does AUTOPAY run a hard pull against your credit which may affect your credit score.

Depending on the co-applicant’s credit score, income, and credit history, you could potentially get a better rate than applying on your own.

AUTOPAY partners with a network of trusted credit unions and financing institutions across the country. Each lending partner has a different set of criteria for approvals, enabling AUTOPAY to provide financing solutions to all levels of the credit spectrum.

We’ve helped more than
700,000 customers

We provide our customers with solutions that improve their financial situation. If you’re in the market for a new or used car, we can help you get the rate you deserve. If you already have an auto loan, we can help you find a better rate that lowers your payment.