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Have you been wondering about the best time to purchase a new car or refinance your current car? Today rates are as low as 1.99% with approved credit making this the time to act. These rates will put you well on your way to paying off your new loan early!
With new vehicle sales trending down over the past year, deep discounts could be available at the dealership for your new car purchase. As the year approaches its close, 2016 cars may be offered at the lowest prices year-to-date to prepare for the new 2017 models. If you are in the market for a new car, stop by your local dealership today.
Already have a car that you want to keep, but need the payments lowered? No worries, you can still take advantage of low rates by refinancing your car. RateGenius offers a simple and unmatched refinance experience. RateGenius works with over 150 lenders in the country to find you the best possible rate on your new loan.
How do you know this is a good time to refinance?
There are many factors that can help you decide if this is a good time for you to apply for a refinance. If you have a high credit score, have been working on improving your credit, need to lower your monthly payments, or want to start paying off other debt, this may be the best time for you to refinance your car.
Over time, credit scores and financial situations can change. These changes can make you eligible for a lower interest rate on your auto loan. Saving on interest over the life of your loan, can lead to thousands of dollars in savings and an expedited payoff schedule.
Be sure you are currently up-to-date on your loan payments before applying for your refinance and check the value of your vehicle to ensure this is a good move for you. Typically newer cars have a better loan value and are easier to refinance.
The process is easy. After a short application, you’ll get a phone call if approved to get the ball rolling. The entire process can be completed in as little as 7 days! That means you are on your way to saving faster than ever. After your loan is complete, we offer you unlimited earning potential through our simple referral program. By referring a friend who completes their loan directly through rateGenius with your application number listed we will give both of you $50! Sound like a sweet deal? Tell your friends to apply now!
Let us know if you are planning to refinance or purchase a new car!
Auto loan refinancing became increasingly common in 2025, driven less by short-term market timing and more by changes in how consumers managed long-term debt. Borrowers who financed vehicles during the high-cost years of the early 2020s revisited their loans, often finding opportunities to reduce monthly payments, improve loan terms, or better align debt with their…
Choosing where to finance a vehicle can make a significant difference in the total cost of ownership. While banks and dealerships still dominate car lending, credit unions have steadily earned their place as the go-to choice for drivers seeking lower rates, flexible terms, and trustworthy service. Because they operate as member-owned, not-for-profit institutions, credit unions…
Refinancing an auto loan can help you secure a lower interest rate, reduce your loan payment, or change your loan term to better fit your financial needs. While many borrowers turn to banks or online lenders for auto refinancing, credit unions offer an attractive alternative. These not-for-profit financial institutions are known for their low rates,…
