62 lenders reviewed · one place to compare
Stop overpaying on your car loan.
Enter your phone number and birthday, and we pull up your car, your current loan, and sample rates in about two minutes. Drivers RefiJet reports an average cut of $150/month, and there is no credit check to look.
- No SSN to start
- No credit check to look
- About 2 minutes
Instant estimate
LiveYou could save
$126
per month · $8,333 over the loan
Now
$718
After
$591
Sample rate at 9.9% APR. No credit check to see it; RefiJet confirms your real rate after you apply.
$0/mo
avg savings, per RefiJet
0.0★
RefiJet on Trustpilot
0 min
to see matches
0+
credit scores accepted
Sample rates
Today's sample auto refinance rates
What a refinance can look like across the credit spectrum, on a $25,000 balance over 66 months. Your own rate depends on your car, income, and credit.
Excellent
FICO 720+
4.79% to 6.49%
Sample APR range
from $432/mo on $25k
See your rate →Good
FICO 660-719
7.24% to 9.49%
Sample APR range
from $460/mo on $25k
See your rate →Fair
FICO 580-659
12.24% to 14.49%
Sample APR range
from $522/mo on $25k
See your rate →Rebuilding
FICO Below 580
19.49%
Sample APR range
from $620/mo on $25k
See your rate →Sample rates for illustration on a $25,000 balance over 66 months, drawn from our lending network. Not curated, prequalified, or an offer, and no credit check is run to show them. Your real rate is confirmed by RefiJet, our licensed lending partner (NMLS #1329867), when it processes your application.
How it works
Your phone and birthday. We do the rest.
Your phone and birthday
That is all we need to start. We pull up your car, your current lender, and your details, so you barely type anything. No SSN, and no credit check to look.
See your sample rates
Compare sample refinance rates for a profile like yours across our lending network, in about two minutes. These are examples for comparison, not a formal offer.
Pick one, we confirm it
Choose the rate you like. A licensed advisor confirms your real terms, runs the credit check, and handles the payoff and title. Most loans fund in days.
Sample rates drawn from our lending network
Consumers Credit Union
PenFed Credit Union
America First Credit Union
Digital Federal Credit Union
First Tech Federal Credit Union
Mountain America Credit Union
Ent Credit Union
PNC Bank
Westlake FinancialConsumers Credit UnionPenFed Credit UnionAmerica First Credit UnionDigital Federal Credit UnionFirst Tech Federal Credit UnionMountain America Credit UnionEnt Credit UnionPNC BankWestlake FinancialNumbers before contact info
See your savings before anyone can call you.
The quiz shows your estimated savings from your own numbers. Contact details come at the end, once you have seen what the market looks like for your loan, and consent is a button you press, never a box hidden in fine print.
One application, not a shotgun
Your file is shopped, your phone is not.
One match request, one advisor-guided process. Your application is not blasted to a dozen call centers, and the consent language on the form names exactly who may contact you.
Independent editorial
We review the lenders that will never pay us.
Banks, credit unions, captives, and servicers, including the ones that refuse to refinance at all. Coverage is editorial; our lending partner is disclosed on every page where it appears.
How we make money: we are paid when you refinance through our application, never by the brands we review. Read our editorial standards
Savings calculator
What’s your rate really costing you?
If you refinanced at 7.9%
$54/mo
back in your pocket · $3,268 over the loan
Payment now
$540
Payment after
$485
Illustration only: 60-month term, typical network rate improvement.
The whole market, covered
62 lenders reviewed, including the ones that will not refinance you
Banks, credit unions, refinance specialists, and the manufacturer lenders that lock rates in place. We review every brand people search, whether or not it works with anyone, so you can compare the market before you decide.
From the editorial desk
Research with names on it
Every ranking, review, and guide is written, edited, and expert reviewed by the RefiJet team. The byline tells you exactly who.
Backed by a proven lender
Built on a lending partner drivers already trust
A soft check, never a hard pull
Seeing your matches uses a soft credit inquiry, so checking never affects your credit score.
One application, not a shotgun
You fill out your details once. We route them to the lending partner rather than blasting your number across the internet.
No Social Security number to see rates
Your matches come back from your name, date of birth, and vehicle, so you can compare before sharing anything more sensitive.
Rating shown is RefiJet’s public Trustpilot score, not a rating of RefiMeNow. RefiMeNow is an independent comparison service, not a lender.
FAQ
Questions, answered
Will checking my rate hurt my credit score?
No. The rates you see are samples and no credit is pulled to show them, so your score is never affected. A credit check happens only when RefiJet processes your application after you choose a rate.
How much does RefiMeNow cost?
Nothing. Comparing matches is free for you. We're compensated by lenders in our network when a loan funds, which is disclosed throughout the site.
How fast can my loan be refinanced?
Most matched loans fund within 2 to 5 business days. Your RefiJet advisor coordinates funding with the lender you choose and handles the payoff and title transfer for you.
What credit score do I need?
The network covers scores from 500 up. Lower scores match with fewer lenders, but options exist, including programs that report on-time payments to help rebuild credit.
Can I refinance with an older or high-mileage vehicle?
Usually, yes. Several network lenders accept vehicles up to 15 years old or 200,000 miles. The matcher automatically routes you to the ones that say yes.
Can I get cash out of my car's equity?
If your vehicle is worth more than you owe, cash-out refinancing lets you borrow against the difference, often at far lower rates than personal loans or credit cards.
Still have questions?
A licensed refinance advisor can walk you through everything, no pressure.
800-260-5355