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Lender reviews

Every lender in our network, reviewed honestly

Rates, credit floors, vehicle rules, and who each lender actually fits, with the tradeoffs spelled out. When you are ready, one match shows sample rates across the network for a profile like yours, with no credit check to see them.

See my matchesAbout 2 minutes · No credit check to look
Featured partnerConsumers Credit Union
4.8(2,000+)

Best overall credit union value

Est. APR from 5.24% · Credit from about 550 · Funds in 2-5 days

Read the reviewPenFed Credit Union
4.7(3,000+)

Lowest published refinance rates

Est. APR from 4.79% · Credit from about 610 · Funds in 3-7 days

Read the reviewAmerica First Credit Union
4.7(2,500+)

Best in the Mountain West

Est. APR from 4.99% · Credit from about 560 · Funds in 2-5 days

Read the reviewMountain America Credit Union
4.7(2,200+)

Fast funding & RV coverage

Est. APR from 4.99% · Credit from about 560 · Funds in 1-3 days

Read the reviewDigital Federal Credit Union
4.6(1,800+)

Widest loan-amount range

Est. APR from 5.24% · Credit from about 560 · Funds in 3-5 days

Read the reviewFirst Tech Federal Credit Union
4.6(900+)

Payment-break flexibility

Est. APR from 5.49% · Credit from about 580 · Funds in 3-6 days

Read the reviewEnt Credit Union
4.6(800+)

Best for Colorado drivers

Est. APR from 5.39% · Credit from about 580 · Funds in 2-5 days

Read the reviewPNC Bank
4.4(1,500+)

Best big-bank option

Est. APR from 6.19% · Credit from about 620 · Funds in 3-7 days

Read the reviewWestlake Financial
4.3(1,200+)

Best for rebuilding credit

Est. APR from 6.49% · Credit from about 500 · Funds in 3-7 days

Read the review

Ratings and figures are editorial estimates compiled from lender guidelines, not offers. RefiMeNow receives compensation from network lenders, which may affect placement; our featured partner is identified on every surface. How we review lenders

Beyond the network

Every major auto lender, reviewed

Banks, credit unions, refinance specialists, and manufacturer lenders, including the ones that do not refinance at all. These brands do not sponsor us; we review them so you can compare the whole market before you decide.

National banks

Ally Auto Refinance logoAlly Auto RefinanceOffers refinancingBank of America Auto Loans logoBank of America Auto LoansDoes not refinanceCapital One Auto Refinance logoCapital One Auto RefinanceOffers refinancingChase Auto logoChase AutoRefinances with limitsCiti (Citibank) logoCiti (Citibank)Does not refinanceTruist Auto RefinanceOffers refinancingU.S. Bank Auto Refinance logoU.S. Bank Auto RefinanceOffers refinancingUSAA Auto Refinance logoUSAA Auto RefinanceOffers refinancingWells Fargo Auto logoWells Fargo AutoDoes not refinance

Refinance specialists

Auto Approve logoAuto ApproveOffers refinancingAUTOPAY logoAUTOPAYOffers refinancingCaribou logoCaribouOffers refinancingClearlaneDoes not refinanceLendingClub logoLendingClubOffers refinancingLendingTree logoLendingTreeOffers refinancingMyAutoLoan logoMyAutoLoanOffers refinancingOpenRoad Lending logoOpenRoad LendingOffers refinancingRateGenius logoRateGeniusOffers refinancingRefiJet logoRefiJetOffers refinancingTresl Auto Refinance logoTresl Auto RefinanceOffers refinancingUpfrontDoes not refinanceUpstart logoUpstartOffers refinancing

Credit unions

Alliant Credit Union logoAlliant Credit UnionOffers refinancingBECU logoBECUOffers refinancingBethpage Federal Credit Union (now FourLeaf) logoBethpage Federal Credit Union (now FourLeaf)Offers refinancingGolden 1 Credit Union logoGolden 1 Credit UnionOffers refinancingGreenState Credit Union logoGreenState Credit UnionOffers refinancingLake Michigan Credit Union logoLake Michigan Credit UnionOffers refinancingNavy Federal Credit Union logoNavy Federal Credit UnionOffers refinancingPatelco Credit Union logoPatelco Credit UnionOffers refinancingRandolph-Brooks Federal Credit Union logoRandolph-Brooks Federal Credit UnionOffers refinancingSan Diego County Credit Union logoSan Diego County Credit UnionOffers refinancingSchoolsFirst Federal Credit Union logoSchoolsFirst Federal Credit UnionOffers refinancingSecurity Service Federal Credit UnionOffers refinancingStar One Credit Union logoStar One Credit UnionOffers refinancingSuncoast Credit Union logoSuncoast Credit UnionOffers refinancingVyStar Credit Union logoVyStar Credit UnionOffers refinancingWright-Patt Credit Union logoWright-Patt Credit UnionOffers refinancing

Online lenders

CarMax Auto Finance logoCarMax Auto FinanceDoes not refinanceCarvana Financing logoCarvana FinancingDoes not refinanceLightStream logoLightStreamOffers refinancingSoFi logoSoFiRefinances with limitsUpgrade Auto Refinance logoUpgrade Auto RefinanceOffers refinancingYendo logoYendoRefinances with limits

Manufacturer lenders

Ford Credit logoFord CreditDoes not refinanceGM Financial logoGM FinancialDoes not refinanceHonda Financial Services logoHonda Financial ServicesDoes not refinanceHyundai Motor Finance logoHyundai Motor FinanceDoes not refinanceNissan Motor Acceptance (NMAC)Does not refinanceToyota Financial Services logoToyota Financial ServicesDoes not refinance

Specialty finances

Bridgecrest logoBridgecrestDoes not refinanceCredit Acceptance Corporation logoCredit Acceptance CorporationDoes not refinanceExeter Finance logoExeter FinanceDoes not refinanceRegional Acceptance CorporationDoes not refinanceSantander Consumer USA logoSantander Consumer USARefinances with limitsUnited Auto Credit logoUnited Auto CreditDoes not refinance

Head-to-head comparisons

Alternatives roundups

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