Best Auto Refinance Lenders

Capital One

4.1
- Check rates with a brief soft form.
- Browse cars and prequalify on mobile.
- Low $1,500 monthly income needed.
- Check rates with a brief soft form.
- Browse cars and prequalify on mobile.
- Low $1,500 monthly income needed.
5.08%

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Navy Federal

4.2
- Wide terms from 36 to 96 months.
- Low APR starts at 4.09%.
- 90-day preapproval to shop longer.
- Wide terms from 36 to 96 months.
- Low APR starts at 4.09%.
- 90-day preapproval to shop longer.
3.89%

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Chase

4.3
- Backed by a major U.S. bank.
- May offer auto loan options through partner channels.
- Good for existing Chase customers.
- Backed by a major U.S. bank.
- May offer auto loan options through partner channels.
- Good for existing Chase customers.
4.19%

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Bank of America

4.4
- Lock your rate for 30 days after prequalifying.
- Available in all states and Washington, D.C.
- No application or early payoff fees.
- Lock your rate for 30 days after prequalifying.
- Available in all states and Washington, D.C.
- No application or early payoff fees.
5.29%

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USAA

4.4
- Low APRs and flexible terms for members.
- Choose new, used, refinance, or older car loans.
- Apply, sign, and manage your loan online.
- Low APRs and flexible terms for members.
- Choose new, used, refinance, or older car loans.
- Apply, sign, and manage your loan online.
4.29%

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PenFed

4.5
- Very low minimum APRs.
- Up to 125% financing for extras.
- Flexible terms keep payments affordable.
- Very low minimum APRs.
- Up to 125% financing for extras.
- Flexible terms keep payments affordable.
3.39%

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Ally

4.2
- Prequalify with no hard credit check.
- See real loan terms and APR options.
- Add a co-applicant to improve approval.
- Prequalify with no hard credit check.
- See real loan terms and APR options.
- Add a co-applicant to improve approval.
5.49%

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PNC

4.1
- Backed by a large U.S. financial institution.
- Good for existing PNC customers.
- Traditional bank convenience.
- Backed by a large U.S. financial institution.
- Good for existing PNC customers.
- Traditional bank convenience.
5.34%

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Auto Credit Express

3.2
- Bad credit financing from direct lenders.
- Add a cosigner to get better rates.
- Low income minimums from $1,500 to $2,500.
- Bad credit financing from direct lenders.
- Add a cosigner to get better rates.
- Low income minimums from $1,500 to $2,500.
N/A

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Autopay

4.5
- Explore multiple auto loan options easily.
- Loan terms can stretch up to 96 months.
- Find lenders for many credit levels.
- Explore multiple auto loan options easily.
- Loan terms can stretch up to 96 months.
- Find lenders for many credit levels.
4.85%

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Caribou

4.5
- Compare refinance rates from multiple lenders.
- Add a co-borrower to improve your rate.
- Bundle add-ons like GAP to save money.
- Compare refinance rates from multiple lenders.
- Add a co-borrower to improve your rate.
- Bundle add-ons like GAP to save money.
4.64%

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Carputty

4.4
- Get help buying with the V3 tool.
- Borrow up to $150,000 per vehicle.
- Get preapproved with a soft credit pull.
- Get help buying with the V3 tool.
- Borrow up to $150,000 per vehicle.
- Get preapproved with a soft credit pull.
4.33%

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