Best Auto Refinance Companies 2021

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The best auto refinance companies make it easy to save money on your auto loan, and you can even get a lower monthly payment in the process. You’ll need to have a strong history of on-time car payments to qualify, and your new rate will depend on your credit score, your income, and other factors.

LendingTree Auto Refinance earned the top spot in our ranking due to their low rates and the fact they make it easy to shop around, but there are other auto refinance companies worth exploring. If you are eager to save money on your auto loan, pay your loan off faster, or secure a lower car payment you can actually afford, read on to learn how to refinance your car loan for the best results.

The Most Important Factors For Auto Refinancing:

• Make sure to compare auto refinance companies based on the interest rates they offer, their selection of repayment plans, and their credit score requirements.
• Consumers will typically qualify for preferential auto refinance rates if they have “good” credit, or a FICO score of 670 or higher. However, the best rates typically go to those with “very good” credit or better, or a FICO score of 740+.
• When you apply to refinance your car, additional factors under consideration include your income and ability to repay, your credit score, and the details of your automobile.
• Some auto refinance companies have rules that dictate which cars they will or will not refinance. Make sure to check for lender automobile criteria before you apply.

The Best Auto Refinance Companies of 2021

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	Best Comparing Multiple Loans	Best for Easy Online Quotes	Best for Long Repayment Timelines	Best for Competitive Rates	Best for Large Loan Amounts	Best for Fair or Imperfect Credit
	LendingTree	RATEGENIUS	LightStream	PenFed	RefiJet	LendingClub
	Our Partner	Our Partner	Our Partner	Our Partner	Our Partner	Our Partner
	Check Price	Check Price	Check Price	Check Price	Check Price	Check Price
BBB Rating	A+	A+	A+	A+	A+	A-
Average APR	1.99% to 16.99%	2.48%% to 9.17%	2.49% to 7.99%	1.79% and up	2.45% to 17.99%	3.99% to 24.99%
Loan Length	24 to 84 months	36 to 72 months	36 to 84 months	36 to 72 months	36 to 72 months	36 to 72 months
Loan Amount	Varies	$10,250 to $55,000	$5,000 to $100,000	$500 to $100,000	$7,500 to $150,000	$5,000 to $55,000

Best Comparing Multiple Loans

LendingTree

Our Partner

Check Price

BBB Rating

A+

Average APR

1.99% to 16.99%

Loan Length

24 to 84 months

Loan Amount

Varies

Best for Easy Online Quotes

RATEGENIUS

Our Partner

Check Price

BBB Rating

A+

Average APR

2.48%% to 9.17%

Loan Length

36 to 72 months

Loan Amount

$10,250 to $55,000

Best for Long Repayment Timelines

LightStream

Our Partner

Check Price

BBB Rating

A+

Average APR

2.49% to 7.99%

Loan Length

36 to 84 months

Loan Amount

$5,000 to $100,000

Best for Competitive Rates

PenFed

Our Partner

Check Price

BBB Rating

A+

Average APR

1.79% and up

Loan Length

36 to 72 months

Loan Amount

$500 to $100,000

Best for Large Loan Amounts

RefiJet

Our Partner

Check Price

BBB Rating

A+

Average APR

2.45% to 17.99%

Loan Length

36 to 72 months

Loan Amount

$7,500 to $150,000

Best for Fair or Imperfect Credit

LendingClub

Our Partner

Check Price

BBB Rating

A-

Average APR

3.99% to 24.99%

Loan Length

36 to 72 months

Loan Amount

$5,000 to $55,000

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LendingTree Auto Refinance Review

LendingTree is a popular loan comparison site that makes it easy to check loan rates for a mortgage, a personal loan, a car loan, and more. Their auto loan refinancing portal is extremely useful since it lets consumers check rates for auto loans among several lenders all in one place.

LendingTree lets users choose a new auto loan with a term that lasts from two to seven, which helps consumers tailor their new loan payment to their needs. Since LendingTree lets you compare rates across multiple lenders, however, they do not have set criteria for loan approval or any specific automobile requirements.

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RateGenius Review

RateGenius is another popular loan comparison site that lets you check auto refinance rates across multiple lenders on a single platform. The company has an average star rating of 4.9 out of 5 stars across their certified reviews, and they have funded more than 400,000 loans since their founding.

You can fill out an auto refinancing loan application in a matter of minutes, and RateGenius works with 150 partner lenders to find the best rates. Refinance loans can last from 36 to 72 months, and interest rates start at just 2.48%.

Note that RateGenius only offers refinance loans for personal use vehicles that are less than 12 years old with under 120,000 miles.

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LightStream Review

LightStream is a direct lender who is known for their popular auto loans and personal loans. With their auto loan refinancing product, consumers borrow up to $100,000 and repay their auto loan over 36 to 84 months.

Interest rates from LightStream are especially competitive, although this lender is known for having stringent credit score requirements. With that being said, this lender does not require an appraisal of your vehicle, nor do they have any age or mileage restrictions for their auto refinance loans.

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PenFed Credit Union Review

PenFed Credit Union does require membership for their auto refinance loans, but joining is easy and everyone is welcome. Their auto loan refinance rates are also some of the lowest out there, and borrowers are able to refinance vehicles with loan amounts up to $100,000.

You can repay your new auto loan over 36 to 84 months, although older model vehicles (older than 2020) are only offered loans that last up to 72 months. Existing PenFed auto loans are not eligible for refinancing with the credit union.

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RefiJet Review

ReFiJet is another loan comparison site that makes it possible for consumers to compare multiple auto refinance loan offers with a single inquiry. This comparison site makes it possible to refinance auto loans in amounts up to $150,000, and borrowers can choose refinance loans that last from 36 to 72 months.

Unfortunately, RefiJet makes you fill out a contact form or call them to apply for a new loan, which means you can’t get started with an online application. They also limit their refinance loans to vehicles that are 10 years old or newer.

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LendingClub Review

Finally, don’t forget to check auto refinancing rates with LendingClub . This lending platform makes it possible to refinance auto loans in amounts from $5,000 to $55,000, and borrowers can choose a new repayment plan that lasts from 36 to 72 months.

Still, borrowers should note that some restrictions apply. For example, your vehicle must be 10 years old or newer with less than 120,000 miles to refinance. Auto refinance loans are also available through LendingClub in just 35 states,

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Other Companies We Considered

A few other lenders almost made our ranking of best auto refinance companies, but not quite. Here are a few runner-up lenders you may want to consider.

MyAutoLoan

MyAutoLoan is another loan comparison site that lets consumers compare rates without having to shop on multiple websites. They offer refinance loans that last from 24 to 72 months, although other requirements and loan terms vary by lender.

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Consumers Credit Union

Consumers Credit Union requires membership to qualify for their financial products, although joining is relatively easy if you’re willing to pay a $5 membership fee. This credit union offers new auto loans and auto loan refinancing with competitive rates and flexible repayment options.

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How We Found the Best Auto Refinance Loans

There are hundreds of companies that offer auto refinance loans, but the best refinancing firms have several factors in common. Here are the attributes we looked for when selecting lenders for our best auto refinance lender rankings.

Competitive Rates

The main driver of auto loan refinancing is securing a lower auto interest rate. With that in mind, we looked for lenders and loan comparison sites that offer the best and most competitive interest rates on the market today.

Flexible Repayment Terms

We also looked for lenders that offer a broad range of repayment options, and preferably options that last from 24 to 84 months. The more repayment terms offered, the more flexibility borrowers have to choose a loan term and monthly payment that fits with their budget and goals.

Minimal Restrictions

Some of the lenders in our ranking set minimum standards for their auto refinance loans, such as only refinancing vehicles with a certain age or mileage. While we chose lenders with restrictions for our ranking, we only selected companies that refinance cars up to 10 years old with up to 120,000 miles.

Broad Availability

We also looked for auto lenders that offer refinance loans on a national basis, or at least with broad reach in at least 30 states. 

When to Refinance Your Auto Loan

You may be wondering when it makes sense to refinance your auto loan, or if you may be better off sticking with the loan you have. While individual circumstances will dictate the benefits of refinancing your car loan, it could make sense to refinance in any of the following situations.

• Your credit score has improved dramatically. If your credit score has improved since you bought your car, it’s possible you could refinance at a much lower rate than you originally qualified for. This could mean refinancing to secure a lower monthly payment, substantial interest savings, or both.
• You need a lower car payment. If you’re struggling to keep up with the payments on your car loan, refinancing could help you lower your monthly payment. Just keep in mind that extending the length of your auto loan could mean paying more interest over time.
• Interest rates have dropped since you bought your vehicle. If interest rates have dropped since you took out a car loan, refinancing at today’s low rates could help you save.
• Your auto dealer loan rate is higher than it should be. Maybe you just purchased a new car from a dealer only to find you were charged a higher rate than advertised elsewhere. In that case, refinancing into a new loan could help you save money over the life of your loan.

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Refinancing your car loan could allow you to save money on interest, lower your monthly payments, or potentially both.

Get the peace of mind you're looking for by refinancing your auto loan and freeing up you monthly budget. Click below to get started.

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