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AutoPay
- Trusted by 1M+ customers nationwide
- Over $2 billion refinanced in 2023
- Easy pre-qualification in minutes
RateGenius
- Connected to 150+ lenders for options
- Get approved in as little as 1 day
- Industry leader with 20+ years of service
Tresl
- Save $1,284 annually on average
- Over 2M+ satisfied clients served
- Dedicated support for lease buyouts
RefiJet
- Save $150+ per month on average
- Flexible terms for all credit types
- Fast prequalification in minutes
Gravity Lending
- Average savings: $120/month
- Fast, no-hassle approval
- No hidden fees or rate markups
Best Picks
Top Auto Refinance Companies by Features and Benefits
- Best Overall Gravity Lending
- Best for Low Interest Rates Tresl
- Best for High Loan Balances RateGenius
- Best for Fast Approval AutoPay
- Best for Bad Credit AutoPay
- Best for Low Monthly Payments Tresl
- Best for Short Loan Terms RateGenius
- Best for Online Applications AutoPay
- Best for Large Lender Network Tresl
- Best for High-Mileage Vehicles AutoPay
- Best for No Prepayment Penalties Tresl
- Best Overall Gravity Lending
- Best for Low Interest Rates Tresl
- Best for High Loan Balances RateGenius
- Best for Fast Approval AutoPay
- Best for Bad Credit AutoPay
- Best for Low Monthly Payments Tresl
- Best for Short Loan Terms RateGenius
- Best for Online Applications AutoPay
- Best for Large Lender Network Tresl
- Best for High-Mileage Vehicles AutoPay
- Best for No Prepayment Penalties Tresl
Compare the Top Auto Refinance Companies
| Company | Rating | Min. Loan Amount | Approval Time | Min. Credit Score | |
|---|---|---|---|---|---|
|
4.8
|
$8,000 | Same day | 580 | ||
|
4.7
|
$10,000 | 24–48 hours | 580 | ||
|
4.7
|
$8,000 | As little as 2 min (prequalification) | 500 | ||
|
4.5
|
$6,000 | Same day | 500 | ||
|
4.2
|
$3,000 | Same day | 500 |
LEARN MORE
Frequently Asked Questions
Everything you need to know about our top-ranked companies.
Refinancing helps secure a lower interest rate or adjust loan terms, potentially saving you hundreds annually. Many customers save over $1,000 per year by refinancing their car loans.
Still have
questions?
Eligibility varies but typically depends on your credit score, income, and the age or mileage of your car. Even those with average credit often qualify for significant savings.
Still have
questions?
The process can take as little as one day, though the average time is 5-7 days. A quick pre-qualification process ensures you're eligible before committing to a full application.
Still have
questions?
Yes, as long as your remaining loan balance is within the refinancing lender's limits. Many lenders allow refinancing for balances as high as $100,000.
Still have
questions?
A higher credit score, steady income, and a well-maintained vehicle can help secure better rates. Start by checking your current rate and comparing it to new offers.
Still have
questions?
Refinancing allows you to shorten or extend your loan term, affecting monthly payments. Shorter terms save on interest, while longer terms lower monthly costs.
Still have
questions?
Some lenders offer refinancing even for underwater loans, but options may be limited. Focus on lenders with flexible terms for cars with negative equity.
Still have
questions?
Refinancing is possible with bad credit, though rates may be higher. Many lenders specialize in working with credit-challenged borrowers to find tailored options.
Still have
questions?
Compare interest rates, fees, and loan terms. Many online tools let you pre-qualify with several lenders simultaneously without affecting your credit score.
Still have
questions?
THE BOTTOM LINE
Our Top Picks
Companies that stand out for results, transparency, and customer satisfaction.
AutoPay
Bottom line
Trusted by 1M+ customers nationwide
RateGenius
Bottom line
Connected to 150+ lenders for options
Tresl
Bottom line
Save $1,284 annually on average
How BestGuide Works
Common questions about our rankings and methodology.
At BestGuide, we pride ourselves on transparency. Our recommendations are based on a combination of research, expert insights, and partnerships with brands that support our platform. Yes, brands pay for placement, and we take that into account alongside other key factors like reputation, services, and customer satisfaction to provide you with useful, curated results. Ultimately, we make placement decisions based on what we believe serves both you and our platform best.
Our team carefully evaluates brands using customer reviews, industry trends, sales performance, and direct assessments. In addition, we consider advertising budgets and compensation from our partners. While paid placement is a factor, it’s not the only one—we prioritize brands that demonstrate quality and reliability while meeting the expectations of our audience.
Our star rating system is designed to simplify your decision-making process. It incorporates multiple factors, including customer feedback, brand reputation, satisfaction rates, and sales conversions. While partnerships and advertising budgets do influence rankings, we aim to provide a balanced perspective that highlights standout performers in each industry.
Search results on BestGuide are dynamic and may differ depending on when or how you search. Factors such as brand availability, timing, and budget allocations can impact placement. Additionally, updates are processed through global data centers, which may cause slight variations in results depending on your location or when you search. This flexibility allows us to provide the most relevant and up-to-date options tailored to your needs.
BestGuide also tailors results to match the context of your search. For instance, if you’re looking for home security systems in a specific region, we prioritize brands that can service that area. This ensures your results are as relevant and practical as possible.
At BestGuide, we combine research, industry insights, and paid partnerships to bring you curated recommendations that meet your needs. Our approach balances brand compensation with a commitment to quality, ensuring that we provide results you can trust. While paid placements are part of our model, we make decisions thoughtfully, always keeping your best interests in mind.