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RateGenius has built a nationwide network of 150+ financial institutions specializing in auto loans, giving you access to a competitive marketplace, more potential offers and savings opportunities on your vehicle financing.
Big Savings, Delivered
Refinancing a costly auto loan can create valuable space in your budget. And customers who refinance through RateGenius lower their monthly car payments, on average, by $100* per month.
20+ Years of Expertise
RateGenius has helped drivers make car ownership more affordable since 1999, with over 400,000 loans funded. Our staff of experienced loan specialists are here to guide you through the refinance process.
Drivers trust RateGenius for exceptional service & savings
4.9 Stars
4.7 Stars
Auto Refinance Calculators
RateGenius is here to help you find a new auto loan that’s right for you
through refinancing.
Take advantage of powerful tools to calculate your potential savings.
Enter current auto loan details
Select new loan details
You would save
by refinancing
by refinancing
Find out how much you could reduce monthly payments with a
new rate or an extended term. Enter your current and desired
loan details to see estimated payment and savings.
Current monthly payment
New monthly payment
Annual savings
You would save
by refinancing
by refinancing
This calculation is an estimate only. It is intended to show
hypothetical loan terms based on the provided information.
It is not an offer of credit or a personalized
pre-qualification. No potentially personal information you
enter is being transmitted or stored.
Want to see what you can really save?
Tips for Using the Payment
Savings Calculator
Savings Calculator
Original loan amount
is what you borrowed at the outset of your auto loan. It
includes the purchase price of the car, and possibly other
fees due when you bought it.
Remaining loan balance
is the amount you still owe on your loan since it began.
This information should appear on your loan statement.
Current interest rate
is rate you pay on your auto loan, expressed as a
percentage. A fixed rate loan’s interest stays the same
throughout the life of the loan. If your interest rate is
5%, enter 5, not .05.
Original loan term
is the duration of your loan from its inception.
Typically auto loan terms are 3 years (36 months), 4 years
(48 months), 5 years (60 months), or 6 years (72 months).
Credit score range
helps tell us the rate you may be eligible for, based on
your credit profile. Well-qualified borrowers are
typically those eligible for the lowest available rates.
Length of new loan
refers to the duration (in months) of a potential new auto
loan. When you refinance, you reset the clock on your loan
term.
Enter current auto loan details
Enter additional payment
Faster payoff, long-term savings
See how much faster you can pay off your auto loan and how
much you can save in interest by making additional payments
toward the principal loan balance.
MAINTAIN CURRENT PAYMENT
Current monthly payment
Remaining interest costs
Remaining payments
IMPACT OF ACCELERATED PAYOFF
more in payments saves
in interest and shortens your loan by
months
This calculation is an estimate only. It is intended to show
hypothetical loan terms based on the provided information.
It is not an offer of credit or a personalized
pre-qualification. No potentially personal information you
enter is being transmitted or stored.
Want to see what you can really save?
Tips for Using the Early
Payoff Calculator
Payoff Calculator
Remaining loan balance
is the amount you still owe on your loan since it began.
This information should appear on your loan statement.
Current interest rate
is rate you pay on your auto loan, expressed as a
percentage. A fixed rate loan’s interest stays the same
throughout the life of the loan. If your interest rate is
5%, enter 5, not .05.
Months remaining
is the number of months left on your loan. For example, if
your loan will be fully paid off in two years, enter 24.
Additional excess amount
is the extra cash you wish to pay each time you are billed
above the payment amount. If your current monthly payment
is $200, enter 50 to show the impact of increasing your
payment to $250.
Additional payment frequency
refers to how often you plan to make the payment in the
amount specified.
Achieve Your Financial Goals
An auto loan refinance can change your financial outlook for the better. Here’s how.
Lower your monthly payment. A change in income. A new expense in your budget. A need to free up cash. There are many reasons you may want to spend less every month on your auto loan payment. Refinancing can enable you to adjust your payment amount to fit your budget.
Lower your interest rate. The APR on your auto loan influences not only what you pay per month, but also the amount you pay in interest over the life of the loan. Switching to a new loan with a lower interest rate can mean big savings, even when the difference is rates may not seem large
Accelerate your loan payoff . Many customers take advantage of auto loan refinancing to shorten the length of their loan. They may have additional funds they can devote to their vehicle budget and desire to clear the loan from their financial picture sooner.
Why Choose RateGenius to Refinance Your Auto Loan
- APPLY IN MINUTES
Complete a loan
application online or
call 1-866-728-3436.
- REVIEW OFFERS
We bring customers refinance
opportunities from a nationwide
market place of lenders.
- CLOSE AND SAVE
Finalize your loan online or have
the paperwork delivered.
Customers Love RateGenius
Drivers have awarded us 4.9 out of 5 stars across more than 11,000 certified customer reviews.
Lauren R.
on Credit Karma
"This Company is great. Fast approval and service. They had my loan refinanced within one week!"
Roger Recommended on Facebook
"WOW ! Rate Genius is awesome and searched the NATION for the best rate for me. I highly recommend. "
"This Company is great. Fast approval and service. They had my loan refinanced within one week!"
Lauren R.
on Credit Karma
"WOW ! Rate Genius is awesome and searched the NATION for the best rate for me. I highly recommend. "
Roger Recommended on Facebook
Ready to lower your monthly car payment?
If your current auto loan doesn't work for your budget, or you're simply curious if a better deal on vehicle financing is out there, RateGenius is here to help.
We help people save money on their auto loans with a network of 150+ lenders nationwide.
* This value was calculated by using the average monthly payment savings for our customers from March 1, 2024 to August 31, 2024.
We help people save money on their auto loans with a network of 150+ lenders nationwide.
* This value was calculated by using the average monthly payment savings for our customers from March 1, 2024 to August 31, 2024.