Auto Refinance Calculator
Refinance your auto loan
We help drivers access an average of $1,400.52* in annual savings by refinancing their vehicle loan—see what you could save.
Current monthly payment
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Remaining loan term
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Simple & Easy Auto Loan Refinance
Refinancing your current auto loan or car loan can lead to serious savings and long-term financial benefits. Whether you're aiming to reduce your current monthly payment, secure a lower interest rate, or adjust your loan term to better fit your current financial situation, our auto refinancing process makes it simple to get started and save.
We’ve helped thousands of drivers refinance into a new loan with better terms—often lowering their annual percentage rate (APR) by as much as 50%.* On average, our customers save more than $1,000 per year, and many report a significant savings amount from day one.
By refinancing your existing auto loan, you can reduce your total interest cost, shorten your repayment timeline, or even extend to a longer term for lower monthly payments. Whatever your goals, our streamlined online process and real-time loan calculator give you the tools you need to make confident, informed decisions.
Take control of your finances with a smarter approach to your car loan—and see how much you could save today.
A Simple, Intuitive Online Process
1. Apply in minutes
Ready to refinance your current loan? Start your loan application online or over the phone. Just enter a few basic details—your credit score, loan amount, credit report, and info about your vehicle—and we’ll do the rest.
2. Confirm your details
We’ll show you refinance offers based on your eligibility, including estimated refinance rates, loan term options, and your new monthly payment. Whether you’re refinancing through a credit union, bank, or dealership, we work with trusted partners to provide the most competitive auto loan rates available.
3. Sign & finalize online
Review all terms, conditions, and disclosures before e-signing your new contract from your mobile device. We’ll handle the paperwork and payoff of your original loan. Your interest accrues from the date your new loan is funded, and we’ll keep things simple every step of the way.
Why Use an Auto Refinance Calculator?
This easy-to-use tool helps you:
- Compare your current interest rate to today’s refinance rates
- Estimate your monthly savings with a lower interest rate or longer term
- Understand how your total amount and interest cost change with a new loan term
- Evaluate your remaining balance and how quickly you can pay off your vehicle loan
- Decide if a down payment will reduce your overall loan payment
- Explore options for pre-qualification without affecting your credit score
- Make informed decisions using real numbers before committing to auto refinancing
We’ve Helped Over 700,000 Customers
Whether you’re shopping for a new or used car, or simply want to lower payments on your current loan, we’re here to help. Many borrowers don’t realize how much they can save by refinancing with a credit union, online lender, or bank they already use for online banking or auto insurance.
With our wide lender network and flexible loan term options, we’re committed to helping you improve your financial well-being—one vehicle loan at a time.
Shop With Confidence
We serve customers across the credit spectrum and work with lenders who specialize in helping people with a range of credit scores, credit reports, and financial goals. Whether you’re trying to reduce your current loan balance, consolidate credit card debt, or simply refinance to a better rate, we’ll help you find the right path forward.
Use our auto refinance calculator today and take the first step toward lower car payments, better terms, and financial peace of mind.