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How many times you can refinance an auto loan? Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make smarter financial decisions by providing you with interactive tools and financial calculators as well as publishing quality and impartial content. This allows you to conduct research and compare information for free - so that you can make sound financial decisions. Bankrate has partnerships with issuers such as, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The offers that appear on this site are from companies that pay us. This compensation can affect the way and where products appear on the site, such as for instance, the order in which they may appear within the listing categories in the event that they are not permitted by law for our mortgage and home equity products, as well as other home loan products. However, this compensation will have no impact on the content we publish or the reviews appear on this website. We do not include the universe of companies or financial offers that may be accessible to you.



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4 minutes read Read published January 04, 2023.
Written by Allison Martin Written by

Allison Martin's career began more than 10 years prior to that as a digital content strategist. She's been featured in a variety of top financial publications, including The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com.







The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate from late 2021. They are passionate about helping readers to take control of their finances through providing concise, well-studied and well-informed information that breaks down complicated topics into bite-sized pieces.









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You've refinanced your car a short time ago to get a or more affordable monthly payment however, you're now curious to find out when you could refinance your car if you can find a lower rate. Or maybe you're considering a refinance in the beginning and wondering whether you'll be able later refinance. In either case, it might be a smart financial choice. However, you must be aware of the advantages and disadvantages of refinancing as well as the requirements for refinancing prior to making any decisions. You may find that other alternatives that don't require refinancing are better. How many times could you refinance a car? If you've already refinanced, you're able to do it again. In reality, there's no limit to the amount of times you may refinance if it's possible to find an lender willing to help you in the process. "Vehicle refinancing is only limited by the value and age that the car is worth," claims Christina Naylor Chief Operations Officer at Carolina Trust Federal Credit Union. But, after refinancing a number of times, you might be more difficult to get the new auto loan with competitive terms. Some lenders view steeper terms as the chance of default is higher. "The issue is why do they continue refinancing?" Naylor says. "Are they using equity or cash to pay down revolving debt and then immediately racking up the credit card balances again? This is a risk to the lender and it's a bad approach for the person who is borrowing." How soon can you refinance a car? There's no legal requirement requiring an exact timeframe to refinance. If a lender will be willing to refinance your loan soon after it's funded it could be luck. Still, it may not be the best choice for your finances, especially when you're thinking about a refinance at a time when the depreciation rate will be at the highest in the car's life. There are reasons not to make more than one loan But there are times when refinancing more than one time isn't sensible. You may face a prepayment penalty. Your current lender could charge you a to pay the loan off early. Costs can add up. There are also loan creation and title transfer fees, which are standard with refinancing transactions. These expenses can be a lot after several refinances, along with the fees you might have to pay when you decide to extend the loan duration. It is possible that you have to pay more than the vehicle is worth. Another aspect to be considered when refinancing several times is the impact on depreciation. In general, refinancing more than once causes you to be liable for more than the car's worth that is described as . This could be a problem if you want to sell or trade your vehicle after you've paid it off, or if your vehicle becomes inoperable. The damage to your credit score. Credit inquiries remain over your report of credit for up to 2 years, however they will only affect your score for 12 months. If you are able to refinance more than once in one short period it could affect your credit score have a slight impact . Refinancing conditions Lenders often have guidelines you need to follow in order to refinance your vehicle such as: Age: Most lenders require that your car be no more than 10 years old. If you're refinancing for a third, second, or even fourth time, the car's age may exceed the limit, making it ineligible to refinance. Value: The car should have a value that is not less than the amount you have to pay on the loan. It is easy to go upside-down on your auto loan if you refinance more than once, making this requirement problematic for certain borrowers. Mileage: Most lenders limit vehicle mileage to 150,000 or 100,000 miles when refinancing. If you've owned the vehicle for a while it could have accrued more miles than many lenders will allow. What can I do to ensure that I'm getting the best rate for refinancing the car loan? Refinancing your car can mean big savings, so it's essential to compare rates to ensure that you're getting most competitive rate. The first step is to look over your current auto loan. Examine the loan terms, including interest rate and loan duration. Also, look at your credit score to see whether it's better than it was when you made your application for the current loan. It may be a good idea to refinance at a bank or credit union where you already hold an account. This could increase your chances of being approved and you could be able to get an interest rate that is lower because of your relationship with the lender. You should also compare rates and terms offered by different lenders, like banks, as well as online lenders. If possible, before making a full application. This will allow you to better make comparisons between loan offers and could increase your chances of getting approval. After narrowing down your options make use of an online tool to compare the loan deals. Be aware of the prepayment penalties and fees. Be sure that the savings are greater than any cost associated with the refinance. How to reduce your monthly payments If you are considering refinancing but you find that refinancing isn't the right choice, look at these options: Modify your loan. Make contact with your lender and ask to speak with someone in the loss mitigation department . Let the representative know of your financial situation and ask about alternatives to make your car loan more affordable and avoid repossession. Switch your vehicle to one that's less expensive. Check out the available inventory at local dealerships and make an inventory of cars with lower prices and monthly installments that don't stretch your budget too thin. To narrow down your list of options go to the dealership, and agree on a deal that will get you a price and the car you purchase. Sell your car privately. You can get top-dollar for your car by selling it using your own. When the transaction is concluded, use those funds to make a down payment on a new or used car. Be aware that the current vehicle shortage is a problem, and it may take some time to find the perfect car for you at a price that is attractive. Next steps Whether your credit rating has improved since taking out your vehicle loan or you have already refinanced before and would like higher loan conditions and a lower monthly cost, you may take another shot at refinancing. But before you move forward, ensure the benefits outweigh the cost. Also, research lenders to find the most favorable deals to maximize your dollars. Otherwise, consider modifying your existing loan to obtain a better deal in the event that refinancing isn't financially sense. You can also trade your car into or trade it in privately if refinancing doesn't make the most beneficial option for you. Learn more


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Written by

Allison Martin's work began over 10 years ago as a digital media strategist. Since then, she's been published in several leading financial media outlets including The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com.



The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate from late 2021. They are passionate about helping readers gain confidence to take control of their finances by providing clear, well-researched information that breaks down complicated topics into bite-sized pieces.






Auto loans editor




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