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    How to refinance your auto loan

    Refinancing your car loan starts with checking your rate. Then you'll confirm details about you, your vehicle, and your current car loan. Once your new loan application is approved, your current loan will be paid off and your title will be updated. Enter your ZIP code to find out if auto loan refinancing is available in your state.

    When should you refinance your car loan?

    Refinancing your car loan can make sense if you want a lower rate, better loan terms, or a different repayment schedule. Refinancing your car loan through Upstart may be right for you if your car is less than 10 years old and has less than 140,000 miles on it. Your current loan should have a balance of $9,000 to $60,000,** and your current loan needs to have been in place for at least a month.

    Check your auto refinance rate if…

    You want a lower interest rate

    You want a lower payment

    You want a shorter loan

    Frequently asked questions about auto loan refinancing

    Is refinancing a car worth it?

    What documents do I need to refinance my car?

    How long does the auto refinance process take?

    Does refinancing a car loan affect my credit?

    Check your car loan refinance rate now

    Check your rateOr, call 1-866-399-1085