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Auto Loan Refinancing Guide The choice to refinance your auto loan involves study and preparation. The first step is the determination of whether you want to walk away with more favorable rates and terms, or lower your monthly payment. Regardless, refinancing simply replaces your existing loan with a new one.
This guide provides the details of refinancing your automobile loan starting with the most basic of the steps to follow to the drawbacks and benefits and the basic requirements.
Authored by Rebecca Betterton Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in helping readers in navigating the details of borrowing money to purchase cars. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since the end of 2021. They are passionate about helping readers gain the confidence to take control of their finances by providing concise, well-studied information that break down complicated topics into digestible pieces.
The Bankrate promise was founded by the Bank Rate Monitor in Bank Rate Monitor , a print publication for the banking sector, Bankrate has a long experience of helping customers make informed financial decisions.
We've maintained our reputation for more than forty years by prioritizing fact and experience over hype and hearsay, and swiftly responding to economic trends that offer our users an experience that is more relevant. From our product comparison tools to award-winning editorial content, we provide objective information and practical next steps to help you make informed decisions. It's why over 100 million people put faith in our services each year.
The promise of the Bankrate promise
More information
At Bankrate we aim to help you make better financial choices. We adhere to the strictest standards regulations, this blog post could contain references to products of our partners. Here's the explanation . Auto refinance is the process of auto-refinancing.
Investigate Apply Get a new loan
1
Investigate 2
Apply 3
Refinance your loan This is the first thing to do when refinancing your car loan is to consider whether this is the right choice for you financially. Two main scenarios where a refinance might be a good idea include the following: if you could take home a lower rate or are struggling to pay your bills. In order to decide if it is the right option, you should be sure to look over what you are currently paying for your loan. It's best to and compare your savings potential with the amount you are paying for your current loan. Also, consider your credit score, to make sure you are able to get a better loan. Keep in mind that if your score is in the same level as it was when you signed the loan -or even worse, less refinancing might not benefit you. ARTICLES RECOMMENDED
There are many ways to get an automobile loan online is much more convenient than going in person. 3 minutes read Mar 21, 2023 You may wonder if you'll need a down payment to refinance an auto loan. 2 min read 21 March 2023 You may not have to surrender your car when filing for bankruptcy. Learn how to avoid it and when it's best to just turn the car in. 5 min read Mar 20, 2023 This post discusses where to buy an automobile that has bad credit to get the best deal. 3 minutes read Mar 14, 2023
Finding an auto loan online is much more convenient than visiting a person. 3 minutes read Mar 21, 2023
It's possible to wonder whether you'll need an initial down payment in order to refinance your auto loan. 2 minutes read Mar 21 2023
It's not necessary to surrender your vehicle if you file for bankruptcy. Learn how to avoid this -- and when it's best to turn your car in. 5 minutes read on Mar 20, 2023
This guide explains how to purchase a car that has bad credit to get the best price. 3 minutes read March 14, 2023
The refinance application process is likely to be identical to the way you applied when you applied for your first loan. After at the minimum of three lenders, you are able to apply with the one that is most suitable for your needs. Most lenders allow for an online application, however you'll likely need to submit an examination of your credit before acceptance, which could affect your credit score. Pay close attention to the factors that the lender carries when it comes to mileage, vehicle type as well as the time that you've had the loan and your remaining loan balance. Additionally, it is a good idea to get your paperwork in order ahead of submitting. This includes information about your vehicle , as well as information about your existing loan which you may not have needed for your first loan application. RECOMMENDED ARTICLES
Find an automobile loan online is more convenient than visiting a person. 3 minutes read 21 March 2023 You may be wondering if you'll require an initial down payment in order to refinance an auto loan. 2 minutes read on Mar 21, 2023 You may not have to sell your car when filing bankruptcy. Learn how to avoid it and when you should simply turn in the vehicle. 5 min read on Mar 20, 2023 This guide discusses the best place to buy an automobile using bad credit to get the best price. 3 minutes read Mar 14, 2023
Finding an auto loan online can be much more convenient than going in person. 3 min read on Mar 21 2023
It's possible to wonder if you'll require a down payment to refinance your auto loan. 2 minutes read: Mar 21, 2023
You may not have to give up your car when you file for bankruptcy. Learn how to avoid this -- and when it's better to just turn the car in. 5 minutes read March 20 20, 2023
This guide explains how to purchase a car with bad credit to get the best deal. 3 minutes read on Mar 14, 2023
In the end, you will be able to get an auto loan. Now, you can take care of your old loan and begin making payments on the new one. The procedure varies based on the lender however, you will either receive a payment in the mail or sent directly to the previous lender. Either way, it is recommended to confirm that the procedure was completed prior to halting payments on your previous loan so that you don't end up with late fees or other charges. Recommended ARTICLES
Finding an automobile loan online is much more convenient than visiting a person. 3 min read March 21, 2023 You might wonder if you'll need the down payment for refinancing the auto loan. 2 minutes read on March 21, 2023. You might not have to surrender your vehicle when you file for bankruptcy. Learn to avoid it -- and when it's better to just turn the car in. 5 minutes read on Mar 20, 2023 This guide examines the best places to purchase cars that has bad credit to get the best deal. 3 min read Mar 14 2023
Finding an auto loan online can be easier than visiting an in person. 3 min read on Mar 21 2023
You may wonder if you'll need a downpayment to refinance your car loan. 2 minutes read Mar 21 2023
It's not necessary to give up your car when filing for bankruptcy. Find out how to avoid it -- and when it's best to turn your vehicle in. 5 minutes read on Mar 20 20, 2023
This article explains how to buy a car that has bad credit to get the most value. 3 min read on Mar 14, 2023 Benefits and disadvantages of refinancing autos Before on the auto loan it is crucial to weigh the benefits and drawbacks of signing off on a brand new loan.
PROS Less expensive monthly payments
Possibility of paying off the loan sooner
Lower interest rates and potential charges
More documents
The possibility of extending a loan Are auto refinancing options for you? Refinancing your auto is the best option if you want to save money, specifically on the interest you pay -- or if you require relief but aren't able to get . But as due to high inflation, determining whether it's the right choice for you requires extra analysis. Reasons to consider refinancing your vehicle loan Your credit rating has improved Credit score serves as the main goal for rates that lenders offer you. If your credit score has improved since you initially agreed to your loan and you're in a better financial position, it might be worth your while to refinance and receive higher rates. Reduce your monthly payments If the current loan is putting a strain on financial resources and you're at risk of missing a payment, refinancing may be an alternative. Pay close attention to the amount you can extend the loan term though, the longer it runs, the more you'll pay in interest over the course of your loan. Interest rates have dropped While it is not currently the case due to the Federal Reserve's efforts to reduce inflation, refinancing is an excellent option in the event that interest rates have decreased. Check the current interest rates to determine whether refinancing is a wise move. You're a dealer if you initially agreed to the terms of dealer financing you are likely to find that you did not get the most competitive terms. Compare rates with other lenders to lock in better rates. Requirements for refinancing an auto loan Each lender carries their own criteria for eligibility for auto refinance loans. However, there are some that you will likely run into.
The remaining loan balance Each lender holds different regulations for loan amounts. However, if you have too little left, or even more the lender may not be able to meet your needs. Typical minimums to refinance fall between $3,000 and $50,000, while maximums are usually under $50,000. There is a time remaining on the loan Based on the stage you are in during the lifetime of the loan refinancing may not be feasible. Most lenders expect you to be minimum six months into your loan and have at minimum six months remaining. On the other end, if you're far into the loan it may be more beneficial to just pay it off than apply for refinancing. Credit score The higher your credit score and the higher your credit score, the better rates you can expect to get. So while perfect credit is not required, any score that is below 600 likely will not result in a better rate -- and could even cost you more. Model year and mileage of the vehicle The majority of lenders don't allow refinancing for vehicles over 10-years-old. To add to the age of your vehicle, if your car has been driving a lot of miles, lenders could steer away. The range of 100,000 to 150,000 miles are normal. Debt-to-income ratio . The ideal ratio varies depending on the lender however, you generally prefer less than 50 percent. Your debt-to income (DTI) proportion is the ratio between your income and how much debt you have. It's best to use an online tool to calculate your DTI prior to applying. It is recommended to use a service that does your heavy lifting. Once you have a handle the amount you could save, you should begin your refinance.
How to determine the savings from auto refinance to determine potential savings from refinancing your car loan you'll have to evaluate your current loan to the one you're getting. This is not as simple when you look at the two monthly payments and, in addition, you have to consider how the total interest is accounted for. How do you refinance your auto loan 1. Shop to find a prequalification and shop around to be prequalified for three loans After reviewing your current loan look at comparing a few different lenders. Pay close attention to current interest rates and conditions because they differ by lender. 2 Collect relevant documents After approval, you should organize your documents before moving on to fully apply. Be prepared to give details about your car and your financials as well as the initial loan. 3 Apply for the best offer . The lender you choose will have an easy procedure you can follow to submit your application. Based on the lender you select, you could be contacted in as little as a couple of minutes. Auto refinance basics
Do you need to refinance your car loan in the event of bad credit? Although it is possible for you to refinance your loan even if you have , it may not be the most prudent financial choice. One way you can obtain better terms with refinancing is to get a better credit score as well. Instead, you should think about an loan modifications or .
What is the main difference between loan modification and refinance? Modification of loan, as the name suggests, alters the current loan to offer better rates or to defer payments , while refinancing is completed with completely new loan. Do you think it is a bad idea to extend your loan time frame? While it's not necessarily negative or harmful to take a , a longer-term loan can be riskier. Most importantly, the risk of becoming " " as well as "underwater" in your loan for an extended period. It happens when you are owed more than your car is worth. Does refinancing hurt your credit? It could cause a dip in your credit score due to the fact that the application will trigger a credit pull. On top of that the score could drop due to the new account. But this will only result in minor declines and will likely help your credit score in the long in the long run, especially if you are struggling to pay for your current loan. Does refinance start your loan over? Yes, it does , it is not a perfect fresh start. The ideal scenario is that the new terms you choose to take on will be more reasonable, making it easy to start new. Once your old loan is cleared, the previous installments are not carried over.
Do you need cash to pay off a car loan? Some lenders do require you to put cash down, usually for people with bad credit. Cash isn't necessary but it could help reduce your payment. What are the best options to refinance your car? Even though you're able to relax with a fresh and better loan in hand however, there are some important . These considerations will ensure you stay in the loop with the new loan. Finish up payments on your previous loan. As long as you wait for the approval of your prior lender it is essential to continue making repayments on your loan. If an issue occurs and you are overpaid, the lender is likely to refund the excess amount to you. Once you receive the newly-approved loan the lender or you lender will make your final loan payment. Be sure to consult in with your lender to avoid any additional charges. Pay off your new loan. The payment schedules differ for each lender however, generally you'll need to make payments for thirty days after you have accepted the loan. It is advisable to set up automatic payments if available to prevent any missed payments. Along with this, do not put off the payment in order to avoid any building interest. If you feel yourself in a difficult spot, contact your lender and let them know about the situation before it gets too late.
Advertiser Disclosure The listings shown on this site originate from companies from which this
website receives compensation, which can affect the way, how and when.
Order products are displayed. This table doesn't include all companies , nor all
available products. Bankrate does not endorse or recommend any particular company. |
Definition of terms Filter results
Show auto loan kind New Used Refinance
Zip code Loan term 24 Months 36 Months , 48 Months, 60 Months and 72 Months 84 months Credit score Excellent (750plus) Good (700-749) Fair (640-699) Needs Work (> 644)) Apply
REFINANCE
REFINANCE
REFINANCE
REFINANCE
REFINANCE
REFINANCE
REFINANCE
REFINANCE
REFINANCE
REFINANCE
REFINANCE
REFINANCE
Lending Partner
APR From Hover to find out more about the apr. The annual percentage rate (APR) includes the interest rate and any loan charges. It is a reflection of the total amount of the loan. The term hovers to provide more information regarding the terms. The period of time until the loan matures and is due to be paid off at the end of. Terms may be expressed in years or months, depending on the details of your loan. Min credit score Hover to find out more about minimum credit scores. Minimum credit scores are typically required to qualify for the loan with a specific lender. Exact thresholds are not always provided by the lender and in certain cases this is not the best estimate based on the public records. Credit score refers to FICO 9.0 unless otherwise stated. 3.9
Bankrate Score
APR starting at 4.99-
36.00 %
Term 24-60 mo
Min credit score Not disclosed
Apply through the partner site
See the rates
Offer details
Apply on the partner site 3.5
Bankrate Score
APR from 5.24-
12.29 %
Time period of 24-72 mo
Min credit score 700
Apply to partner sites
See the rates
Offer details
Apply on partner site 4.1
Bankrate Score
APR starting at 4.89 percent
The term 36-84 months
Min credit score Not publicized
Apply through the partner site
See rates
Offer details
Apply to partner sites 3.9
Score at the Bankrate
APR from 4.49 %
Term 60 mo
Min credit score of 700
Apply on partner site
Check the rates
Offer details
Apply through partner sites 3.6
Bankrate Score
APR as low as 5.34 %
Term 24-84 mo
Min credit score of 600
Check rates
Offer details
4.2
Bankrate Score
APR from 2.99 %
Term 36-60 mo
Min credit score 700
Apply through the partner site
See the rates
Offer details
Apply on partner site APR from 3.99-
24.99 %
Term 60 mo
Min credit score of 700
Apply through the partner site
Check rates
Offer details
Apply through partner sites 3.8
Score of the Bankrate
APR from 7.29-
11.54 %
Time period 36-72 mo
Min credit score of 700
Apply through the partner site
See the rates
Offer details
Apply through partner sites 3.9
Score of the Bankrate
APR starting at 3.12 %
Time frame 48-60 mo
Min credit score of 700
Apply to partner sites
Find rates
Offer details
Apply through partner sites 4.1
Bankrate Score
APR from 5.61-
29.99 %
The term is 24-84 months
Min credit score of 700
Apply to partner sites
See rates
Offer details
Apply on partner site 4.2
Bankrate Score
APR starting at 9.49APR from 9.49
16.94 % with AutoPay Term 24 -84 mo
Min credit score of 700
Apply to partner sites
Find rates
Offer details
Apply on the partner site 3.2
Score at the Bankrate
APR starting at 2.49 %
Term 60 mo
Min credit score of 700
Apply to partner sites
Find the rates
Offer details
Apply to partner sites
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This guide provides the details of refinancing your automobile loan starting with the most basic of the steps to follow to the drawbacks and benefits and the basic requirements.
Authored by Rebecca Betterton Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in helping readers in navigating the details of borrowing money to purchase cars. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since the end of 2021. They are passionate about helping readers gain the confidence to take control of their finances by providing concise, well-studied information that break down complicated topics into digestible pieces.
The Bankrate promise was founded by the Bank Rate Monitor in Bank Rate Monitor , a print publication for the banking sector, Bankrate has a long experience of helping customers make informed financial decisions.
We've maintained our reputation for more than forty years by prioritizing fact and experience over hype and hearsay, and swiftly responding to economic trends that offer our users an experience that is more relevant. From our product comparison tools to award-winning editorial content, we provide objective information and practical next steps to help you make informed decisions. It's why over 100 million people put faith in our services each year.
The promise of the Bankrate promise
More information
At Bankrate we aim to help you make better financial choices. We adhere to the strictest standards regulations, this blog post could contain references to products of our partners. Here's the explanation . Auto refinance is the process of auto-refinancing.
Investigate Apply Get a new loan
1
Investigate 2
Apply 3
Refinance your loan This is the first thing to do when refinancing your car loan is to consider whether this is the right choice for you financially. Two main scenarios where a refinance might be a good idea include the following: if you could take home a lower rate or are struggling to pay your bills. In order to decide if it is the right option, you should be sure to look over what you are currently paying for your loan. It's best to and compare your savings potential with the amount you are paying for your current loan. Also, consider your credit score, to make sure you are able to get a better loan. Keep in mind that if your score is in the same level as it was when you signed the loan -or even worse, less refinancing might not benefit you. ARTICLES RECOMMENDED
There are many ways to get an automobile loan online is much more convenient than going in person. 3 minutes read Mar 21, 2023 You may wonder if you'll need a down payment to refinance an auto loan. 2 min read 21 March 2023 You may not have to surrender your car when filing for bankruptcy. Learn how to avoid it and when it's best to just turn the car in. 5 min read Mar 20, 2023 This post discusses where to buy an automobile that has bad credit to get the best deal. 3 minutes read Mar 14, 2023
Finding an auto loan online is much more convenient than visiting a person. 3 minutes read Mar 21, 2023
It's possible to wonder whether you'll need an initial down payment in order to refinance your auto loan. 2 minutes read Mar 21 2023
It's not necessary to surrender your vehicle if you file for bankruptcy. Learn how to avoid this -- and when it's best to turn your car in. 5 minutes read on Mar 20, 2023
This guide explains how to purchase a car that has bad credit to get the best price. 3 minutes read March 14, 2023
The refinance application process is likely to be identical to the way you applied when you applied for your first loan. After at the minimum of three lenders, you are able to apply with the one that is most suitable for your needs. Most lenders allow for an online application, however you'll likely need to submit an examination of your credit before acceptance, which could affect your credit score. Pay close attention to the factors that the lender carries when it comes to mileage, vehicle type as well as the time that you've had the loan and your remaining loan balance. Additionally, it is a good idea to get your paperwork in order ahead of submitting. This includes information about your vehicle , as well as information about your existing loan which you may not have needed for your first loan application. RECOMMENDED ARTICLES
Find an automobile loan online is more convenient than visiting a person. 3 minutes read 21 March 2023 You may be wondering if you'll require an initial down payment in order to refinance an auto loan. 2 minutes read on Mar 21, 2023 You may not have to sell your car when filing bankruptcy. Learn how to avoid it and when you should simply turn in the vehicle. 5 min read on Mar 20, 2023 This guide discusses the best place to buy an automobile using bad credit to get the best price. 3 minutes read Mar 14, 2023
Finding an auto loan online can be much more convenient than going in person. 3 min read on Mar 21 2023
It's possible to wonder if you'll require a down payment to refinance your auto loan. 2 minutes read: Mar 21, 2023
You may not have to give up your car when you file for bankruptcy. Learn how to avoid this -- and when it's better to just turn the car in. 5 minutes read March 20 20, 2023
This guide explains how to purchase a car with bad credit to get the best deal. 3 minutes read on Mar 14, 2023
In the end, you will be able to get an auto loan. Now, you can take care of your old loan and begin making payments on the new one. The procedure varies based on the lender however, you will either receive a payment in the mail or sent directly to the previous lender. Either way, it is recommended to confirm that the procedure was completed prior to halting payments on your previous loan so that you don't end up with late fees or other charges. Recommended ARTICLES
Finding an automobile loan online is much more convenient than visiting a person. 3 min read March 21, 2023 You might wonder if you'll need the down payment for refinancing the auto loan. 2 minutes read on March 21, 2023. You might not have to surrender your vehicle when you file for bankruptcy. Learn to avoid it -- and when it's better to just turn the car in. 5 minutes read on Mar 20, 2023 This guide examines the best places to purchase cars that has bad credit to get the best deal. 3 min read Mar 14 2023
Finding an auto loan online can be easier than visiting an in person. 3 min read on Mar 21 2023
You may wonder if you'll need a downpayment to refinance your car loan. 2 minutes read Mar 21 2023
It's not necessary to give up your car when filing for bankruptcy. Find out how to avoid it -- and when it's best to turn your vehicle in. 5 minutes read on Mar 20 20, 2023
This article explains how to buy a car that has bad credit to get the most value. 3 min read on Mar 14, 2023 Benefits and disadvantages of refinancing autos Before on the auto loan it is crucial to weigh the benefits and drawbacks of signing off on a brand new loan.
PROS Less expensive monthly payments
Possibility of paying off the loan sooner
Lower interest rates and potential charges
More documents
The possibility of extending a loan Are auto refinancing options for you? Refinancing your auto is the best option if you want to save money, specifically on the interest you pay -- or if you require relief but aren't able to get . But as due to high inflation, determining whether it's the right choice for you requires extra analysis. Reasons to consider refinancing your vehicle loan Your credit rating has improved Credit score serves as the main goal for rates that lenders offer you. If your credit score has improved since you initially agreed to your loan and you're in a better financial position, it might be worth your while to refinance and receive higher rates. Reduce your monthly payments If the current loan is putting a strain on financial resources and you're at risk of missing a payment, refinancing may be an alternative. Pay close attention to the amount you can extend the loan term though, the longer it runs, the more you'll pay in interest over the course of your loan. Interest rates have dropped While it is not currently the case due to the Federal Reserve's efforts to reduce inflation, refinancing is an excellent option in the event that interest rates have decreased. Check the current interest rates to determine whether refinancing is a wise move. You're a dealer if you initially agreed to the terms of dealer financing you are likely to find that you did not get the most competitive terms. Compare rates with other lenders to lock in better rates. Requirements for refinancing an auto loan Each lender carries their own criteria for eligibility for auto refinance loans. However, there are some that you will likely run into.
The remaining loan balance Each lender holds different regulations for loan amounts. However, if you have too little left, or even more the lender may not be able to meet your needs. Typical minimums to refinance fall between $3,000 and $50,000, while maximums are usually under $50,000. There is a time remaining on the loan Based on the stage you are in during the lifetime of the loan refinancing may not be feasible. Most lenders expect you to be minimum six months into your loan and have at minimum six months remaining. On the other end, if you're far into the loan it may be more beneficial to just pay it off than apply for refinancing. Credit score The higher your credit score and the higher your credit score, the better rates you can expect to get. So while perfect credit is not required, any score that is below 600 likely will not result in a better rate -- and could even cost you more. Model year and mileage of the vehicle The majority of lenders don't allow refinancing for vehicles over 10-years-old. To add to the age of your vehicle, if your car has been driving a lot of miles, lenders could steer away. The range of 100,000 to 150,000 miles are normal. Debt-to-income ratio . The ideal ratio varies depending on the lender however, you generally prefer less than 50 percent. Your debt-to income (DTI) proportion is the ratio between your income and how much debt you have. It's best to use an online tool to calculate your DTI prior to applying. It is recommended to use a service that does your heavy lifting. Once you have a handle the amount you could save, you should begin your refinance.
How to determine the savings from auto refinance to determine potential savings from refinancing your car loan you'll have to evaluate your current loan to the one you're getting. This is not as simple when you look at the two monthly payments and, in addition, you have to consider how the total interest is accounted for. How do you refinance your auto loan 1. Shop to find a prequalification and shop around to be prequalified for three loans After reviewing your current loan look at comparing a few different lenders. Pay close attention to current interest rates and conditions because they differ by lender. 2 Collect relevant documents After approval, you should organize your documents before moving on to fully apply. Be prepared to give details about your car and your financials as well as the initial loan. 3 Apply for the best offer . The lender you choose will have an easy procedure you can follow to submit your application. Based on the lender you select, you could be contacted in as little as a couple of minutes. Auto refinance basics
Do you need to refinance your car loan in the event of bad credit? Although it is possible for you to refinance your loan even if you have , it may not be the most prudent financial choice. One way you can obtain better terms with refinancing is to get a better credit score as well. Instead, you should think about an loan modifications or .
What is the main difference between loan modification and refinance? Modification of loan, as the name suggests, alters the current loan to offer better rates or to defer payments , while refinancing is completed with completely new loan. Do you think it is a bad idea to extend your loan time frame? While it's not necessarily negative or harmful to take a , a longer-term loan can be riskier. Most importantly, the risk of becoming " " as well as "underwater" in your loan for an extended period. It happens when you are owed more than your car is worth. Does refinancing hurt your credit? It could cause a dip in your credit score due to the fact that the application will trigger a credit pull. On top of that the score could drop due to the new account. But this will only result in minor declines and will likely help your credit score in the long in the long run, especially if you are struggling to pay for your current loan. Does refinance start your loan over? Yes, it does , it is not a perfect fresh start. The ideal scenario is that the new terms you choose to take on will be more reasonable, making it easy to start new. Once your old loan is cleared, the previous installments are not carried over.
Do you need cash to pay off a car loan? Some lenders do require you to put cash down, usually for people with bad credit. Cash isn't necessary but it could help reduce your payment. What are the best options to refinance your car? Even though you're able to relax with a fresh and better loan in hand however, there are some important . These considerations will ensure you stay in the loop with the new loan. Finish up payments on your previous loan. As long as you wait for the approval of your prior lender it is essential to continue making repayments on your loan. If an issue occurs and you are overpaid, the lender is likely to refund the excess amount to you. Once you receive the newly-approved loan the lender or you lender will make your final loan payment. Be sure to consult in with your lender to avoid any additional charges. Pay off your new loan. The payment schedules differ for each lender however, generally you'll need to make payments for thirty days after you have accepted the loan. It is advisable to set up automatic payments if available to prevent any missed payments. Along with this, do not put off the payment in order to avoid any building interest. If you feel yourself in a difficult spot, contact your lender and let them know about the situation before it gets too late.
Advertiser Disclosure The listings shown on this site originate from companies from which this
website receives compensation, which can affect the way, how and when.
Order products are displayed. This table doesn't include all companies , nor all
available products. Bankrate does not endorse or recommend any particular company. |
Definition of terms Filter results
Show auto loan kind New Used Refinance
Zip code Loan term 24 Months 36 Months , 48 Months, 60 Months and 72 Months 84 months Credit score Excellent (750plus) Good (700-749) Fair (640-699) Needs Work (> 644)) Apply
REFINANCE
REFINANCE
REFINANCE
REFINANCE
REFINANCE
REFINANCE
REFINANCE
REFINANCE
REFINANCE
REFINANCE
REFINANCE
REFINANCE
Lending Partner
APR From Hover to find out more about the apr. The annual percentage rate (APR) includes the interest rate and any loan charges. It is a reflection of the total amount of the loan. The term hovers to provide more information regarding the terms. The period of time until the loan matures and is due to be paid off at the end of. Terms may be expressed in years or months, depending on the details of your loan. Min credit score Hover to find out more about minimum credit scores. Minimum credit scores are typically required to qualify for the loan with a specific lender. Exact thresholds are not always provided by the lender and in certain cases this is not the best estimate based on the public records. Credit score refers to FICO 9.0 unless otherwise stated. 3.9
Bankrate Score
APR starting at 4.99-
36.00 %
Term 24-60 mo
Min credit score Not disclosed
Apply through the partner site
See the rates
Offer details
Apply on the partner site 3.5
Bankrate Score
APR from 5.24-
12.29 %
Time period of 24-72 mo
Min credit score 700
Apply to partner sites
See the rates
Offer details
Apply on partner site 4.1
Bankrate Score
APR starting at 4.89 percent
The term 36-84 months
Min credit score Not publicized
Apply through the partner site
See rates
Offer details
Apply to partner sites 3.9
Score at the Bankrate
APR from 4.49 %
Term 60 mo
Min credit score of 700
Apply on partner site
Check the rates
Offer details
Apply through partner sites 3.6
Bankrate Score
APR as low as 5.34 %
Term 24-84 mo
Min credit score of 600
Check rates
Offer details
4.2
Bankrate Score
APR from 2.99 %
Term 36-60 mo
Min credit score 700
Apply through the partner site
See the rates
Offer details
Apply on partner site APR from 3.99-
24.99 %
Term 60 mo
Min credit score of 700
Apply through the partner site
Check rates
Offer details
Apply through partner sites 3.8
Score of the Bankrate
APR from 7.29-
11.54 %
Time period 36-72 mo
Min credit score of 700
Apply through the partner site
See the rates
Offer details
Apply through partner sites 3.9
Score of the Bankrate
APR starting at 3.12 %
Time frame 48-60 mo
Min credit score of 700
Apply to partner sites
Find rates
Offer details
Apply through partner sites 4.1
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APR from 5.61-
29.99 %
The term is 24-84 months
Min credit score of 700
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Bankrate Score
APR starting at 9.49APR from 9.49
16.94 % with AutoPay Term 24 -84 mo
Min credit score of 700
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Score at the Bankrate
APR starting at 2.49 %
Term 60 mo
Min credit score of 700
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