Today's Average Auto Refinance Rates

Auto refinance rates change frequently. Here are today's lowest auto refinance rates.

60 Month Term

Credit RangeAPR*
Excellent
750-850
2.99%
Good
700-749
3.49%
Fair
640-699
5.99%
Poor
639 or less
9.49%
Apply Now

72 Month Term

Credit RangeAPR*
Excellent
750-850
3.49%
Good
700-749
3.99%
Fair
640-699
6.49%
Poor
639 or less
9.99%
Apply Now
* These rates are current as of August 25, 2019

Does your vehicle qualify for refinancing?

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Make sure your vehicle is...

  • Under 10 years old
  • Under 120,000 miles
  • personal use vehicle
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...and your current auto loan must have

  • A balance between $10,000 and $55,000
  • Funded at least 1 month ago
  • At least 24 months of payments left

* Annual Percentage Rate (APR) estimates represent an average of available rates among lenders in rateGenius’ lender network across various geographic regions. The estimates assume a loan to retail value ratio (LTV) of no more than 125% and a debt to income ratio (DTI) of no more than 50%. In addition to an individual’s LTV and DTI, the actual APR you may receive is dependent upon many factors evaluated at the time of application, which may include, among other factors, credit score, loan amount, loan term, vehicle information, credit usage and history. All loans are subject to credit review and approval. Estimated APR’s may not be available in the geographical area of your residence. While efforts have been made to maintain accurate information, the estimated APR or other terms presented do not bind any lender. Lenders generally have a range of available APRs (for example, a lender’s range might be 2% to 24%) and only borrowers with excellent credit will qualify for the lowest rate available.