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When you refinance your car loan, you may receive a lower interest rate and save money on payments Compare auto loan rates and discover how to save money on your next auto purchase or refinance. Bankrate reviewed and compared the best auto loan refinance rates.

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See rates for new and used car loans and find auto loan refinance rates from lenders. Get expert advice on auto loans Prequalify for an auto loan with at least three different lenders to ensure you get a competitive offer

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Use this calculator to compare each lender's offer and decide which fits your needs best.

Compare the rate offered by your current lender with rates from other lenders to get an idea of what you might qualify for When you are ready, get preapproved with at least three lenders. Entering different interest rates in this calculator can help you determine how much a loan will actually cost Enter rates from different lenders to see how their costs compare.

If you took out your auto loan when rates were low, it may be difficult to find a better rate In fact, you may pay more if you refinance in a market where interest rates are on the rise. The average auto loan interest rate for new cars in the second quarter of 2025 was 6.80 percent, while the average used car loan interest rate was 11.45 percent. This guide will help you understand the steps of refinancing an auto loan and how to decide if it's right for you.

Although it’s not likely that auto loan rates will drop significantly this year, refinancing can still make sense if you can’t afford your current auto payment.