Should I Refinance My Auto Loan?

Determine out how much you could reduce your monthly and total loan payments if you refinance your car loan.

let's get started

we'll make car buying easy

Apply Now learn more See Auto Rates
Select Your State
Today's Rates for New & Used Auto Loans in Indiana

Please select your state in the dropdown to see our rates for your location.

Effective Date: January 01, 2025
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.65%
Up to 48 Months All Years** 5.75%
Up to 60 Months All Years** 5.85%
Up to 72 Months 2018 or Newer** 6.15%
Up to 84 Months 2020 or Newer 6.75%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.19% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% loan to value, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles.. Some conditions apply. **A 0.75 premium will be added to model years 2019 and older.

Today's Rates for New & Used Auto Loans in Michigan

Please select your state in the dropdown to see our rates for your location.

Effective Date: January 01, 2025
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.70%
Up to 48 Months All Years** 5.80%
Up to 60 Months All Years** 5.90%
Up to 72 Months 2018 or Newer** 6.20%
Up to 84 Months 2020 or Newer 6.80%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.19% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% loan to value, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles.. Some conditions apply. **A 0.75 premium will be added to model years 2019 and older.

Today's Rates for New & Used Auto Loans in Nevada

Please select your state in the dropdown to see our rates for your location.

Effective Date: January 01, 2025
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.19%
Up to 48 Months All Years** 5.29%
Up to 60 Months All Years** 5.39%
Up to 72 Months 2018 or Newer** 5.69%
Up to 84 Months 2020 or Newer 6.29%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.19% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% loan to value, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles.. Some conditions apply. **A 0.75 premium will be added to model years 2019 and older.

Today's Rates for New & Used Auto Loans in North Carolina

Please select your state in the dropdown to see our rates for your location.

Effective Date: January 01, 2025
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.25%
Up to 48 Months All Years** 5.35%
Up to 60 Months All Years** 5.45%
Up to 72 Months 2018 or Newer** 5.75%
Up to 84 Months 2020 or Newer 6.35%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.19% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% loan to value, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles.. Some conditions apply. **A 0.75 premium will be added to model years 2019 and older.

Today's Rates for New & Used Auto Loans in Ohio

Please select your state in the dropdown to see our rates for your location.

Effective Date: January 01, 2025
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.70%
Up to 48 Months All Years** 5.80%
Up to 60 Months All Years** 5.90%
Up to 72 Months 2018 or Newer** 6.20%
Up to 84 Months 2020 or Newer 6.80%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.19% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% loan to value, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles.. Some conditions apply. **A 0.75 premium will be added to model years 2019 and older.

Today's Rates for New & Used Auto Loans in Pennsylvania

Please select your state in the dropdown to see our rates for your location.

Effective Date: January 01, 2025
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.65%
Up to 48 Months All Years** 5.75%
Up to 60 Months All Years** 5.85%
Up to 72 Months 2018 or Newer** 6.15%
Up to 84 Months 2020 or Newer 6.75%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.19% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% loan to value, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles.. Some conditions apply. **A 0.75 premium will be added to model years 2019 and older.

Today's Rates for New & Used Auto Loans in Other States

Please select your state in the dropdown to see our rates for your location.

Effective Date: January 01, 2025
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.90%
Up to 48 Months All Years** 6.00%
Up to 60 Months All Years** 6.10%
Up to 72 Months 2018 or Newer** 6.40%
Up to 84 Months 2020 or Newer 7.00%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.19% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% loan to value, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles.. Some conditions apply. **A 0.75 premium will be added to model years 2019 and older.

Today's Rates for New & Used Auto Loans in Arkansas

Please select your state in the dropdown to see our rates for your location.

Effective Date: January 01, 2025
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.50%
Up to 48 Months All Years** 5.60%
Up to 60 Months All Years** 5.70%
Up to 72 Months 2018 or Newer** 6.00%
Up to 84 Months 2020 or Newer 6.60%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.19% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% loan to value, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles.. Some conditions apply. **A 0.75 premium will be added to model years 2019 and older.

Today's Rates for New & Used Auto Loans in Oklahoma

Please select your state in the dropdown to see our rates for your location.

Effective Date: January 01, 2025
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.50%
Up to 48 Months All Years** 5.60%
Up to 60 Months All Years** 5.70%
Up to 72 Months 2018 or Newer** 6.00%
Up to 84 Months 2020 or Newer 6.60%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.19% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% loan to value, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles.. Some conditions apply. **A 0.75 premium will be added to model years 2019 and older.

Apply now

we're here to help!


Looking for another calculator?
Understanding your current financial status can clarify both short and long-term goals. Our calculators help you get a clearer picture of where you are now financially, where you're headed, and what you can do to get there fast and with the best results.


all calculators

further reading

buy or lease

Should You Buy or Lease Your Next Car?

Advice Hub | 3/17/2021

Compare the pros and cons of buying or leasing your next vehicle.

Read Article

How to Get the Best Deal on an RV

How to Get the Best Deal on an RV

Advice Hub | 1/8/2021

Buying an RV is much like buying a car, but it's also like buying a home. Here are things to consider to get the most out of your RV.

Read Article

When to Refinance Your Car

How Refinancing Your Car Loan Can Save You Money

Advice Hub | 8/12/2020

If you aren’t happy with your current car loan payment, or if your financial situation has changed since you bought your car—it might be a good idea to think about refinancing to a better interest rate.

Read Article

Read More in Advice Hub

" class="hidden">奥普节能