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How to refinance your car loan Part of refinancing an Auto Loan In this series Refinancing the Car Loan







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5 minutes read. Published 23 March 2023
Written by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers with the details of using loans to buy a car.







Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since the end of 2021. They are dedicated to helping their readers gain the confidence to control their finances by providing concise, well-studied facts that break down otherwise complex topics into manageable bites.









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It is not the case for everyone when they first apply for an auto loan. Refinancing your vehicle loan is possible . It's about replacing the present loan with a new one with a different length, interest rate, or both. A lower rate can aid in reducing your monthly payment and the costs you'll pay throughout the term of your loan. To get the most out of refinancing, it is necessary to require credit with good standing and a track record of timely payments. The 7 ways to refinance your car loan Refinancing a vehicle loan is similar to applying for any other vehicle loan, with few additional steps. Review your current finances along with your loan documents, and then locate the right lender to suit your needs. 1. Determine if refinancing is the right financial move There are two main reasons to refinance: If you are able to get a lower rate, or if you're . The first is typical in the event that you took out an auto loan when were high as well as your credit rating was not high. If you've had a credit history since you took out your loan you have a good credit score, lenders are likely to offer you better terms, which will enable you to save money over the duration that of your loan. On the other hand should you feel that you're stretching your budget monthly due to your current payments you could refinance your car loan to a longer term. Extending your repayment term decreases your monthly payment but you'll likely have to pay more in interest over time. The most important thing to remember
If refinancing your vehicle will reduce your expenses then it's probably the best option for you. If you aren't able to get , it is not a good option. A refinance with an interest rate that is higher can make your loan more expensive even if the monthly payments shrink.


2. Re-evaluate your current loan The majority of lenders offer a for refinances. This means that you need to know your payoff amount to determine if you qualify. It's also crucial to understand exactly how much interest you have been paying in monthly payments, what the monthly amount is, and the total amount the loan will be if you pay off the entire time. Gather that information to compare your current loan with offers you'll get in the future. Key takeaway
Education is power when it comes to getting the best deal. Make use of this information to determine the amount you're paying for your current loan and compare it to the refinance options available when you have applied for preapproval.


3. Examine your credit score credit score and history are among the main factors lenders look at when you are applying to refinance. If you've made good financial decisions in the past and have made timely payments for instance- your Lenders will view you as less of a risk and could offer higher rates. before you start applying. This will assist you in navigating to lenders you can qualify for and also help predict rates. Even those with a credit history might still be able to get a by finding the best lender. What is the most important takeaway
The higher your credit score is, the lower the interest rate you will likely receive from a lender. Your payment history matters too.


4. Estimate your car's value The amount of your loan isn't all you have to think about when deciding whether to refinance. You will also want to be aware of . These resources help you estimate the value of your car simple. If your vehicle is older with low mileage and a substantial balance that's still going to take several years to pay refinancing can help you save money and keep your from being upside down on your loan. If it's worth less than the amount you owe, you might be out of luck. And if your car is close to being paid off, it makes less sense to refinance because interest is a tiny portion of the remaining balance. What you should take away from this is
Knowing the value of your vehicle will help you determine whether lenders will be willing to allow you to refinance. If your car isn't worth much, refinancing could cost more than what you'd be able to save.


5. Compare rates to find the best refinancing rate. Each lender weighs your credit score, financial history and eligibility in different ways. If you choose to refinance, start with the credit union or bank that you are using for other services. Certain financial institutions offer reduced interest rates to existing customers. Compare the rates offered by your current bank with to get the most accurate picture of what the top lenders have to offer. Once you're in the market, make sure you have at three lenders. With multiple preapprovals you will be able to determine which is the most suitable for your financial needs. The most important thing to remember
The interest rates can vary therefore, it is recommended to look at a variety of lenders before deciding. But make sure to make sure to check with your current financial institution because there may be discounts for existing customers.


6. Determine your savings After shopping around for rates, do the math to determine the amount you could save by refinancing your vehicle loan. Use an to make the comparison easy. Examine the current loan for fees. It's not unusual for lenders to charge a fee, which can make refinancing more expensive. Be sure to have a clear understanding about your objectives. If you want to lower your monthly payment, make sure the new loan will not cost you much more than the one you've opted for . If you are refinancing at an lower interest rate, be sure you're saving enough interest to offset any fees. A shorter loan time frame is recommended if there is extra room in your budget. It will get you there faster and may save money in interest, depending on the terms that you get on the particular loan. Calculating ahead of time will let you see how much money an improved rate can be able to save in terms of payment of interest, or monthly installments or both. 7. Get your paperwork in order The preapproval process is crucial but it's not necessarily all that's needed to complete the story. When you apply, plan to provide the lender with the following documents: proof of income, including W-2s or your most recent pay stubs. Proof of residency: recent utility bill or lease agreement monthly mortgage statement, or tax statement Proof of insurance: recent monthly statements or insurance cards . Details about your current loan (such as balance or interest rate loan duration and monthly payment) Details about your vehicle such as year model, make, mileage and vehicle identification number (VIN) Be sure to go over the application and all documents to make sure there are no mistakes before you submit. Once you've submitted your paperwork and are granted approval you must follow up with the lenders. If you get a check be sure your previous lender receives it and applies it to your loan. If your lender is a new lender is paying off the old one, follow up frequently to make sure that there aren't any missed payments due to errors in clerical processes. The bottom line: Organize your documents prior to time to accelerate the refinancing timetable. Make sure you are prepared to make contact with each lender to ensure your repayments and payment are in the right location. Considerations to make prior to refinancing Prior to launching into the refinancing process, make sure that it is appropriate for you. Requirements for refinancing: Each lender or bank lender has its own criteria to determine if you're eligible for refinancing. Make sure that you're not paying on time for payments. The amount of time left on your loan is another requirement for eligibility. Lenders will often require at least six months of repayments on your loan and you should have at minimum six months remaining, too. Prepayment penalties: A lot of auto loans have clauses that define the time and method to repay the loan. Often these clauses include a charge when you pay off the loan early. Some lenders do not will charge this fee, but it could impact your overall savings. Time remaining on the loan If you're near the end of your current loan, it may make sense to pay it off instead of sinking cash and time into refinancing. Health of your finances: Your income-to-debt ratio is among the many aspects that are which lenders take into consideration. The more before applying for a new loan you have a good credit score, the better chance of receiving favorable loan terms. You can use an online calculator to calculate your ratio of debt to income. The final result of refinancing your vehicle loan will have an impact on your financial situation. Before you make an application to a lender, investigate the auto loan rates and compare their terms to the terms for your existing loan. By shopping around and working to improve your credit score, if necessary, you may be able to cut down on the total amount you pay , or obtain a more affordable monthly payment by changing lenders.


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Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers to navigate the ins and outs of securely taking out loans to purchase an automobile.



Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since late 2021. They are dedicated to helping readers gain the confidence to manage their finances through providing concise, well-studied and well-researched content that break down complex topics into digestible chunks.






Auto loans editor




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