Best auto refinance companies of 2026
We compared 33 lenders. One soft-pull check runs your file against all of them in about two minutes.
- No credit impact
- No application fee
- Updated Jul 30, 2026
Advertiser disclosure
RefiJet is the licensed lender behind our application, so our ranking of it is not independent and you should weigh it knowing that. Clicking RefiJet takes you to their site. Every other brand starts our own matching flow, and we may be compensated when a lead results in a funded loan. We do not accept payment to change the order, and every fact shown comes from each lender's own public disclosures as of the date on its review.
A licensed advisor does the whole thing for you.
- No payments for up to 3 months
- Credit scores from 500
- Advisor does the paperwork
500+
credit scores considered
$5k to $150k
loan amounts, as of 2026
3 months
before your first payment
RefiMeNow advisors · free, no obligation
See all 6 highlights
- Soft credit pull to see options, with no impact on your score
- Advisor handles lender shopping, payoff, and title paperwork end to end
- Wide box as of 2026: scores from 500, loans from 5,000 to 150,000 dollars
- Borrowers who want a human coordinating the whole refinance
- Credit scores from the 500s up, which many lenders decline outright
- Anyone who wants options priced before any hard credit inquiry
Consumers Credit Union
A credit union anyone can join, with a long auto-refinance track record.
- Anyone can join ($5, reimbursed)
- Member checking discounts
- Lease buyout and cash-out
550+
Min credit score
2-5 days
Funding
All 50 states
Where they lend
See all 4 highlights
- Anyone can join with a one-time $5 fee, reimbursed
- Rate discounts with member checking
- Lease buyouts and cash-out supported
- Best overall credit union value
PenFed Credit Union
Nationwide credit union, open to anyone, no military service required.
- Join with a $5 savings account
- No origination or doc fees
- Refinance up to 125% of balance
610+
Min credit score
3-7 days
Funding
All 50 states
Where they lend
See all 4 highlights
- Used refinance APRs published from 4.79%
- No origination or document fees
- Refinance up to 125% of your balance
- Lowest published refinance rates
Not sure which one fits?
Tell an advisor what you drive and what you owe. They run your file across the network and come back with real numbers, with no impact to your credit.
RefiMeNow advisors · Soft pull only · Free and no obligation
Every lender we compare
Every direct lender we cover, what kind of institution it is, and who it suits. Whichever one you pick, a single soft-pull match runs your file and comes back with the offers that fit.
National bank
Loans between $7,500 and $75,000 held at another lender
Get matched
Credit union
Open membership, anywhere in the US
Get matchedNational bank
Older or high-mileage cars that secured lenders turn down
Get matched
National bank
Already bank with U.S. Bank, and have the credit to match
Get matchedCredit unions, if you live where they lend
These often price below the national lenders above, and every one of them is limited to a state or a field of membership. Worth a look only if you are inside the footprint.
- America First
- Mountain America
- Ent
- BECU
- Golden 1
- GreenState
- LMCU
- Patelco
- RBFCU
- SDCCU
- SchoolsFirst
- Security Service
- Star One
- Suncoast
- VyStar
- Wright-Patt
You do not have to work out which one you qualify for. One soft-pull match checks the lenders licensed where you live, credit unions included.
Check the lenders in my stateHow we ranked these
Who can actually get approved
Credit floor, loan size limits and vehicle age rules, taken from each lender's own published terms. A great rate you cannot qualify for is not a great rate.
What the process costs you
Whether the first check is a soft pull, whether there are application or origination fees, and who handles the payoff and title paperwork.
Where they lend
National availability counts for more than a sharp regional offer, which is why field-of-membership credit unions sit in their own section rather than in the table.
Facts come from each lender's own public disclosures as of the date on its review. RefiJet is ranked first and operates this site, which is disclosed at the top of this page. No lender pays for placement in this order.
Before you start
Will checking my rate hurt my credit score?
How much does RefiMeNow cost?
How fast can my loan be refinanced?
What credit score do I need?
Can I refinance with an older or high-mileage vehicle?
Can I get cash out of my car's equity?
One check. Every lender above.
About two minutes, a soft credit pull that never touches your score, and no obligation to take anything you are shown.
RefiMeNow advisors