About Auto Refinancing
Are you thinking about refinancing your car? Auto refinancing is one of the easiest and best ways to change up your car loan. The process allows you to select a loan from competitive lender offerings with a new interest rate and payoff term. The resulting monthly car payment can actually save you thousands of dollars a month over the life of your refinanced car loan when compared to your current loan.
The products and offers that appear on the website are from respective partners, companies, and third-party advertisers from which we receive compensation. This compensation may impact how and where products appear on this site including the order in which they appear. The content of reviews is not influenced by compensation. This site does not include all financial products or companies or all available product offers. Learn more about our partners and how we make money.
Choosing an Auto Refinance Lender
Choosing a lender can be one of the hardest things to do in the auto refinance process. There are many lenders all offering different loan options, interest rates, and terms. Here are a few of the best auto refinance lenders who standout from the rest and what you need to know about their lending platforms.
Caribou's featured rates are as low as 2.83% APR***. See the Caribou review for details.
Caribou works with people interested in refinancing who have various credit ratings including good ranges of 650 and higher.
This experience was so easy and Ray was…
This experience was so easy and Ray was great, patient and knowledgeable. I got a great deal and happy I made the decision to refinance.
This was the first time I tried…
This was the first time I tried Caribou, not without hesitation, but they were offering what appeared a good deal at a lower rate of interest and costs than their competition. There were quite several exchanges with their assigned agent, Michael (Mike) Ruiz, the usual shuffling of documents, but Mike helped me all the way, patiently, politely, and thoroughly. Everything went well and was executed as promised. I am delighted and recommend both Mike and Caribou without reservation!
Nina was Great!
Nina was Great! I was looking for a place to refinance my auto loan. I didn't want to do it really because I didn't want to do anything that was going to be high stress, long wait times, and really had no idea what I was going to be getting myself into. Nina was so helpful, explained everything to me, and within a few days they had the funding and everything was completed! Thank you Nina and everyone at Caribou for making this a great experience!
Process was very easy and the customer…
Process was very easy and the customer service very knowlege about product
Nina was sooooo patient with me during…
Nina was sooooo patient with me during my refinancing process. She was able to keep calm explaining all my questions and clearing my doubts. She’s pleasant and it was great working with her.
Great experience on auto loan refinancing
I worked with Nina, she was a pleasure to work with. She answered all my questions in great detail and walked me through the process. It was a straight forward and smooth experience. I was able to get a much better interest rate on my auto loan.
They were great
We eventually got our son's car refinanced after some hoops to jump through (only fair). Luke Nelson worked with us and it was a positive interaction. Highly recommend Luke and Caribou for refinance needs.
Knowledgeable Loan Officers
My efficient loan officer was very knowledgeable and made sure I was aware of each step during the refinancing process.
Great customer service
Great customer service. The entire process went very smooth and easy. Very quick funding.
Thanks to caribou
Special thanks to Mr Kurt Zoeger, he did the process so easy , very clear all the information he shared with me.How fast and everything went thru.
Great service, rapid results!
I recently applied for a refinance through Caribou, the loan officer Tyler Reidenbaugh worked with me through the application process and had me approved in the blink of an eye!! Unfortunately I was unable to follow through on the process at this time, but if in the future if I am in the market for a refinance I will definetly contact Caribou and Tyler, excellent service and he will work with you through the entire process. I would highly recommend Caribou, they are a great company as I had another vehicle refinanced through them. They truly are a five star organization!
Overall great experience
Took a littler longer than I expected. But the process was easy and straightforward.
Nina was extremely helpful and made the process very easy.
Made the process very easy to understand and follow.
Overall I saved money by this refinance…
Overall I saved money by this refinance and I thought the process was fairly easy and straightforward. Arthur Scott was my POC and he was always available to help or explain what needed to be done next. You could also tell that he was good at his job and had a lot of expertise in his field. For me, Caribou was a positive process that was also one of the easier third party processes I have dealt with so far.
Terrible company. I mailed my title in and then they sent me the final paperwork, which had fees higher than anticipated. I attempted to cancel and get my title back, but haven't received my title! Edit- someone contacted me and resolved the issue.
Easiest refinance ever!
Easiest refinance ever!
WOW! Simply amazing! I have dealt with many loan companies throughout my life and I can honestly say this has been hands down my best experience. Arthur Scott…. This man is a professional. From start to finish he made the entire process simple. Explaining everything from start to finish and in about 4 days my loan was funded. I can’t say enough about his kindness, attention to detail. And most importantly in my opinion was how he interacted and didn’t just treat me like some other customer. Thank you so much Arthur. And thank you Caribou!! I’ll be saving over $200.00 a month on my new truck payment and paying about $15,000 less in interest. Don’t hesitate to give them a call!
excellent service. They walk me trough all the process and was very helpful
Loan officer was amazing
Loan officer was amazing. Everything was very simple and he talked me through the entire process.
My Lead Loan Officer Nina Tapias I…
My Lead Loan Officer Nina Tapias I would say was extremely help and friendly. I was nervous about the process in the beginning but she made it easy and comfortable. Really great job she did when it came to help me through the process. Very professional!!!!
Fast and Effective with shortest term…
Fast and Effective with shortest term with lower interest and payments
Terrible experience! was working with them on a refi but their loan officer (dont wana get him in trouble) mentioned that half the company was laid off and he himself wouldnt recommend refing with the company because of that and shady practices like the insane $400 fee for being a middleman. oh well, i will go directly to the credit union!
Convoluted is an understatement
Convoluted is an understatement. If you happen to deal with Brian, prepare yourself for resending the same documents and retaking dozens of photos of your i.d although every picture sent all information is clearly visible. I’m fed up with Carabou’s hoops. Save yourself the trouble and deal with the lender directly.
Nina from Caribou was very helpful and…
Nina from Caribou was very helpful and was very quick to respond to my questions.
Horrid, still submitted my hard pull after many requests not to. Had to contact Transunion and Tower Federal Credit Union(their main go to). To do a reversal with my proof. The 1 day deal was 10 days. Maybe the hardest place to contact in the world. The $400 fee they charge you can be waived if you go directly to Tower Federal Credit Union yourself with Caribou.
The process was easy and My Agent Was…
The process was easy and My Agent Was very Helpful and always available if I had a question. Thank You Arthur Scott for making this process easy for me!
Great rates, long funding process, customer service process not great
Caribou did a great job in finding me a lower interest rate and payment but fees were extremely high and not informed about fees until end of process. This process was also very time consuming with a lot of back and forth. Communication was not great with officer as there were several issues with documents that I was not informed of and had to reach out to get and update that further actions were needed in which I think made the process take longer than it needed. Overall it seems as though once you sign and commit to your new contract, the customer service declined and you were no longer a priority.
I was looking to refinance my car
I was looking to refinance my car, I found out Caribou and gave it a try. It was quick and easy Mr Arthur Scott walked me through from start to finished, after a week of sending and signing documents I got approved and funded. Good job and well done!
I sent everything needed to refinance…
I sent everything needed to refinance my car loan and Colby was very helpful in getting approved and was always available if I had any questions.
The application process was easy
The application process was easy, and the loan officer was great at communicating the next steps. the whole process, from the application to the funding, took two weeks. My interest rate, as well as my monthly payments, went down.
Great Vehicle Refinancing
Refinanced my truck through Caribou. Arthur was great to work with, He kept in contact through the whole process and made it as easy as could be. I would certainly do it again in the future. Everything was completed in about 3 business days.
What made my experience great is I had…a nice person to explain explain things.
What made my experience great is I had a really nice person to help me in refinancing my loan I thank Arthur Scott from Caribou he was a great person to work with he told me all the information I needed for my application he was a great help thanks Arthur Scott for making my experience great. Arithia W Calhoun
Dishonest sales tactics
I wanted to refinance because I had a high interest and long term so I wanted to decrease both. I knew by doing so this would increase my monthly payment significantly which I was ok with. During the signing process my agent really pressured me for more add-ons out of "concern" for me which would have increased my payment even more. I saw through his sales tactics but more gullible or desperate people may not have. Then in signing the contract I found out I had been signed up for auto pay without my knowledge. When I brought it to the agents attention I was told not having it would increase my interest rate which was I was never told. The up-sell attempt and dishonesty I would not recommend this company.
Skeptical at first, BUT was Wowed!
Arthur Scott kept me updated throughout the refinance process. I got the rates I was looking for and it will save me $4500 in interest over the life of my loan.
Arthur is the best!
Arthur was extremely helpful! He facilitated every step. From reaching out immediately after I had applied to answer my questions, to the paperwork needed to be complete, to finally guiding me thought the final steps of my approval. Thank you so much!!!
Caribou made it easy for me to refinance my vehicle to a lower interest rate and payment! Everyone was very professional! Eric made it so simple for me and the customer service was outstanding! Thank you!
Saved us money and was so easy!
We wanted to refinance our vehicle because our old lender kept making mistakes and providing poor service. Not only did Caribou provide excellent service, but they helped us lower our rate, term and payment! What a nice surprise and a great experience!
Amazing Customer Service
Everyone I have spoken with during my refi process has being amazingly nice and helpful. I had been devoting doing a refi for a while due to a high monthly payment. I did some research and found Caribou. I have had a very pleasant experience with them thus far.
Nina Tapias was very helpful in getting me a good interest rate on refinancing my car loan. She helped me every step of the way. I’m very satisfied!
I had a great experience due to Nina
I had a great experience due to Nina. She was very thorough when explaining the process. She was there every step of the way helping guide me through it. Thanks again Nina! 10/10 recommend 🙌
Much Better Interest Rate
I liked the fact that a much better interest rate was obtained, however it did take longer than I thought in underwriting, and CSR could have had better communication explaining the extended period of time it took. Finally, was not advised the anount of finder's fee to Caribou. But, the new interest rate makes everything better!
Poor Customer Service and follow up
Chris provided horrible customer service and onboarding experience. On this experience alone, I do not think I will ever use Caribou again which is a shame.
Great auto-refinance experience!
The auto refinance experience with Caribou was quick and easy. Fill out a form online, get an email and a call within a couple of days, and boom, new car low payment in a couple of weeks. They did all the heavy lifting, were pleasant, helpful, and informative in all our interactions, and I still feel like I got a great deal. Win-win.
Refinance from gm
Seriously easy process. I saved 7% from my loan I just got a month ago at the dealership. Can't recommend enough. Good customer team. Very good experience!
This was the best experience I've ever had when it came to a loan. Arthur was very personable and professional. He explained things thoroughly and answered all my questions honestly. I would recommend him to family and friends. Thank you Arthur
The refinance experience was easy
The refinance experience was easy. The representative was friendly and knowledgeable. The rate and terms are great. I recommend using Caribou for your refinance needs. Jaki Brown
Nina was helpful and walked me through…
Nina was helpful and walked me through the whole process. She took extra time and communicated with me later into the evening then I would have expected because of the hours I worked she kept the process on track and help me complete all of the paperwork within time limit for getting the process done
Quick & Painless
My experience with Caribou exceeded my expectations. Everything was so easy and went super quick. Communication took place throughout the entire process and my loan officer was so informative and kind. Would definitely recommend.
Kind and proffesional
Hi! I just recently refinanced with Caribou. Joey was very wonderful, proffesional, and kind when walking me through the refinancing process. I was able to get a cheaper monthly payment, and a better interest rate at the same time. I am very appreciative with how stress free this whole process was.
I will like to start off by saying my…
I will like to start off by saying my extwas great! Nina was very helpful she answered all my questions, and made the process so easy. I give this expression a 10/10 best decision I made.
Pre-qualification available with no SSN required to see offers from multiple lenders.
Auto Approve's interest rates start at 2.25%***. See the Auto Approve review for details.
Auto Approve can help you refinance your car if you have a credit score of 580 or higher.
Short but sweet
I wasn't with you guys for long since I did a trade-in on my original car, but you guys got me a good deal.
Received information in the mail about the company. Thought I'd call the number. Immediately worked with Susana. She was very responsive and was a great hand holder throughout the process. She moved things right along.
What a great company
Things were handled quickly and professionally.
Shout out to Susana Lopez
My contact is Susana Lopez and she has been very clear through each step as well as responsive to my questions. Auto approve made it very easy to refinance and was able to lower my interest. I would gladly recommend them to others.
I'LL TELL YOU WHAT WENT WRONG...
I'LL TELL YOU WHAT WENT WRONG.... THESE PEOPLE AMP YOU UP ABOUT GETTING YOU A GREAT RE-FI DEAL AND ALL THE PERKS THAT COME WITH IT BUT FORGET TO VERBALLY TELL YOU THAT THEY'RE GOING TO ADD THOUSANDS ON TOP OF THE LOAN.... MY CAR A MERCEDES BENZ 2017 E-CLASS HAD 3K IN EQUITY AND THE AGENT WHO WAS "HELPING ME" HIS NAME IS (DORIAN TELL) SCREWED ME AND TOOK MY ORIGINAL LOAN FROM 18K (WHAT I HAD LEFT TO PAY) ALL THE WAY UP TO ALMOST 21K. NO WHERE IN OUR CONVERSATION DID HE MENTION ANYTHING ABOUT RACKING UP MY LOAN AND GOING FROM 7% TO 9% THIS COMPANY RIPS YOU OFF AND ARE A BUNCH OF VULTURES. I WOULDN'T RECOMMEND.
They were able to lower our payments and interest rate. Agent was friendly and helpful and quick to return calls.
Friendly helpful service
Friendly helpful service. Fast response. Confusing info from text and emails though, needed to keep calling for clarification.
Quick response to my loan request
Quick response to my loan request. High marks on the document sharing and approval process. Professional delivery and exchange of information. Honest and up front dialogue with no ambiguity.
We had no idea what to do what to…
We had no idea what to do what to expect and no one volunteered. to much on line info and not everyone has internet or it is not very good this is country not big city.. And we have heard nothing about our title so I would suggest step it up because our home loan was alot easier . This was not what I mory wife expected to we will see how the next step takes me I ask for a date change after 1st payment again do online seriously. ???
Very good communication
Very good communication, worked with me on everything, great rate and now I have better coverage.
i understand i wasnt easy to get…
i understand i wasnt easy to get approved with my lower than it should be , credit score Brandon Lewis and co workers made it happen lets go brandon
Definitely a 5 star!!!
Definitely a 5 star!!!! Customer service was off the chain! Follow up was even greater!! Thanks Auto Approve!!!
I gave them a 2 star because they…
I gave them a 2 star because they helped find a good rate for our car loan. Other than that, they do not communicate very well. Took them days to respond to documents I’ve uploaded to them and they’ll ask for one thing per day.
GREAT JOB ON GETTING A BETTER INTEREST RATE.
Lowered my interest rate which lowered my payment. Good Job!!!!
Shop around before committing
The guy that helped me was super impatient. Every time I reached out to him he seemed like I was aggrevating him. I almost left and went to another company. I would shop around before choosing auto approve
Smart, responsive staff.
Friendly staff but not the easiest…
Friendly staff but not the easiest refinancing I've done. My suggestion would be to make the whole process more streamlined and get a website where custo.ers can track the progress.
Thank you for low interest load
Thank you for offer low interest from mail letter and we happy low payment
To be honest I was at 1st quoted $356 a…
To be honest I was at 1st quoted $356 a month . That price you couldn't declined on . When I was sent the documents to sign it ended up being $452 with no mention of $3 dollar charge for monthly payment fees . Plus the website is difficult to make payments I was better off paying $505 to capital one with no hidden fees . At least with them I was quoted the exact amount without the pressure of signing it before an expiration. Next tiem be upfront about and don't make others feel pressure about signing something with miss info quotes and pricing fees .
the company was good and bad!
the company was good on getting me refinanced and approved it was quick and easy the bad part was that the agent I spoke with was dishonest and made me feel as if I was coerced into getting refinanced. let me explain,he told me I will be getting 90 days no payment interest free and any payment that I make before the 90 days will go straight to the principal,well that wasn't true. when I spoke to the refinance company they told me that I would be getting 90 days no payment but the interest starts the day that they refinance me, long story short if I hadn't start paying on my car before the 90 days my first two payments would have been all interest! so to anyone out there that's trying to get refinanced just know your interests starts the date of your refinance regardless if you don't have to make a payment for 30 60 or 90 days!
Worked with a gentleman named Greg and helped through the entire process. Really made it a simple and quick process!
Refinance with Auto Approve!
I was impressed wirh Phil by his professionalism, the agent who helped me through the whole process of financing my auto for half the payment. I would recommend Auto Approve to anyone who wants tp refinance their auto!
I worked with Leanna ans she made the…
I worked with Leanna ans she made the process easy and without stress for me. It was a great experience!
You can have a low credit score I’m mileage, vehicle, still refinance and get a lower APR
You can get a perfect interest rate with a lower credit score
Very helpful and very…
Very helpful and very knowledgeable.everyone was extremely friendly.
Auto Approve made my refinance super…
Auto Approve made my refinance super easy. The loan was processed quick and the process was very easy to complete. Thankyou Auto Approve!
Dropped my monthly rate 80 a month.
Dropped my monthly rate 80 a month.
I wasn't happy with the final payment…
I wasn't happy with the final payment after we received a letter saying the payment could be lowered to about 500 but it only went down about 70 dollars.
Nice ppl got me a good rate!!
Nice ppl got me a good rate!!
Great work I appreciate the help and…
Great work I appreciate the help and checking up on the customer I would recommend them any day
Is the best company to help the peoples…
Is the best company to help the peoples to reduce the payment
Jake Minks was very helpful
Jake Minks was very helpful, it was clear understanding from him.. He never left me in the dark.
These people have customer service down…
These people have customer service down to a science, always going the xtra mile to help.
Didn't waste valuable time!!
Fast, friendly service and reduced my monthly payment by almost $200 per month!!
Josh was very helpful
Josh was very helpful. My only issue was sometimes I didn’t get a response to texts or emails.
Thank you for helping me to get the…
Thank you for helping me to get the loan approval and release my financial hardship, the rep she is super help and professional help me to decide what are good for me and get better rate , amazing , help me saving lot of money from high rate credit and other higher loan plan , quick response and professional, highly recommended
Such great customer service
Such great customer service
Wonderful customer service and speedy…
Wonderful customer service and speedy process.
Communication was great
Communication was great, quick, efficient and friendly. Would recommend
Steven was great to work with!
Steven was great to work with! He would keep me informed about what was going on.
Still waiting for check for over…
Still waiting for check for over payment to previous lienholder
Dominique my auto approve specialist…
Dominique my auto approve specialist was not as professional as I’d like. First off she didn’t give proper instructions on how to fill out my DMV paperwork and when they were filled out incorrectly she never got back to me! After a week I had to call her and that’s when she told me they weren’t filled out right and used the excuse that she thought someone had already contacted me from a different department to let me know. My old loan was a week away from a due payment at that point then once I sent back all the correct paperwork to auto approve it took her forever to process it and I was worried about having a late payment on my credit while the paperwork processed. I left her 2 voicemails trying to get some clarification to relieve my stress and she NEVER got back to me finally 2 weeks later my new loan was open when auto approve and my old one closed but waiting and wondering for 2 weeks was unacceptable I’m am DISAPPOINTED in her service.
They did amazing job it
They did amazing job it. They got us approved and short time frame.
The process was very smooth.
The process was very smooth. My representative was very through, friendly, helpful and most import knowledgeable.
Great coustomer service and help…
Great coustomer service and help through the process thank you for being up to date and prompted with the process and easy
Totally Mislead me ADDED $2000 to my…
Totally Mislead me ADDED $2000 to my Already overpriced Loan!! Deeply Regret Ever Responding to their repeated notices!
Everything that is advertised!
Very helpful and truthful about expectations!
The staff was great informative
The worst I am so disappointed
The worst I am so disappointed. It is going on 6 months, and I have yet to receive my registrations and new license plates. I have not been able to speak with the person who handle my paperwork they always say she will call you within the next day and still haven't heard a thing in six long months. I have not been able to drive my vehicle because I have no registrations. I make my payments on time I spoke with the bank, and they told me they have no paperwork from auto approve for my vehicle. I told the bank they will not receive another penny from me until I get my registration and license plates.
Susana Lopez helped me refinance my car…
Susana Lopez helped me refinance my car and she was amazing! Quick responses, clear explanations, and was very patient as this was my first time refinancing! She made the process easy and smooth. Thank you Susana!!
Pre-approval available. No SSN to see offers. Cash back refinancing opportunities.
RefiJet's interest rates start at 2.49%***. See the RefiJet review for details.
RefiJet provides auto refinancing for people with credit scores of 500 and up in the fair FICO credit ranges.
No payments for the first two months. Pre-approval and cash out offered.
RateGenius states their refinance rates start at 2.99%***. See the RateGenius review for details.
RateGenius serves credit scores of 500 and higher. This falls into the fair FICO credit range bracket.
No thank you
Got a letter in the mail saying I was pre-approved for refinancing. Would be $180 less a month than my current loan. Submitted my info online and they come back and said I would have to put a down payment of $5,990!!! who has that kind of money just laying around, I know I don't! NO THANK YOU I WILL KEEP MY CURRENT LOAN! Also yes I know just because you're "pre-approved" doesn't mean you will be approved but $5,990 that's RIDICULOUS
Approved but nobody will return my call!
just now NEW Was told via text message on monday that my app was approved and to call my loan specialist kaitlyn mcgree. Now today is Wednesday and my loan specialist has not return any of my 4 messages or 3 text messages. I will be using a different platform for my refinance thanks for the hard inquiry for nothing!
It was smooth process. Easy to understand. Good rate for my auto loan needs. The agent Joseph Hernandez was extremely professional and patient in explaining details and every step. One thing that I did not like so much that they only provided me offer from one single lender and there were no options to choose from. But I am fully satisfied with what service I got from rate genius.
Unprofessional and No Customer Service
I’m only giving them 1 star because 0 is not an option. We recently sent in all of our information to this lender and we’re all set up to refinance our truck. After everything was sent, we received no more information about our vehicle. Dennis Ortiz did all of our paperwork, and we never heard from him again. Over a month of trying to get ahold of him, or anymore and no one returned our calls. Absolutely the WORST customer service and company I have ever dealt with. If you’re looking for a place with no help, no way to get in contact with anyone, and a complete waste of your time, this is the place. If you’re trying to save money… I would look elsewhere.
My agent was very knowledgeable
My agent was very knowledgeable, straight forward, and answered all my questions. He also found the rate and auto warranty I was looking for and cutting my rate almost in half with refinancing my auto loan.
I liked the way Ann helped me through…
I liked the way Ann helped me through this process and I would recommend that anyone with Not so good credit give it a try.I was very happy with my experience.
These folks work hard and fast to make…
These folks work hard and fast to make things happen!
Christine with rate genius was very…
Christine with rate genius was very informative and worked quickly to get my car refinanced!
Great service from start to finish
Great service from start to finish! Tim was great! Thank you!
Tim was awesome
Tim was awesome. Very responsive & communicated every step. My experience w/ the entire process was great.
Simple as it gets
Simply put Ann made the process as simple as it could get. Thought it would be a pain but they give you every step laid out in an easy to understand way. No hidden anything. 10/10
This was an amazing experience for me
This was an amazing experience for me! I was helped by Ann who always answered my calls when I had questions and helped me through every step of this process! Definitely worth it to refinance with rate genius!
I was helped by a lady name Christine
I was helped by a lady name Christine, she was super helpful and very friendly throughout the process. I work five days a week and unfortunately it made the whole process more difficult and take longer Then normal. Christine continued to work with me and try to make the process as easy as she could and after about a month we got it all figured out and I’m saving a good amount of money compared to what I was paying before
My whole experience was made simple by…
My whole experience was made simple by my loan specialist, Shrutika Pandey. I didn’t feel rushed or pressured at all and we ended up securing a loan to refinance my vehicle. I would recommend Rategenius.com to anyone.
Friendly service, easy to complete. Communication was good from beginning to end.
I was incredibly pleased with the…
I was incredibly pleased with the customer service provided to me throughout my refinancing. Ann Mckinnley was patient, kind, resourceful, and knowledgeable in her field. I would highly recommend this company and Ann for assistance with refinancing. Thank you!
My experience was excellent
My experience was excellent. I dealt with Leah Baize. She provided an amazing customer experience by being thorough, patient, and impeccable follow up and follow through. I have already recommended to 2 friends so far.
My experience was mostly pleasant
My experience was mostly pleasant. My representative talked me through the steps and kept me up-to-date on how the process was going and what I needed to do. I'd give 5 stars but having to go get some papers notarized and send them out was a slight inconvenience.
Horrible experience that I hope you can…
Horrible experience that I hope you can I one else has to go through. Took months, yes months, I was lied to repeatedly, had to send documents multiple times and was told I would be reimbursed for the multiple notary fees but never was. Took so long that I was charged a late fee by my previous bank and no manager had ever responded to my requests. Just was a horrible expensive experience. Oh and my new payment is more than I was told and I was forced to make a payment *early* instead of a 2 month grace period as I was told. RUN AWAY!
The person that helped us was kind
The person that helped us was kind, helpful. Lorrie Homan
Handle my refinance quick and easy
Handle my refinance quick and easy. I felt like I was informed in great detail of the whole process before proceeding with documentation.
Just completely refinance on my 2017…
Just completely refinance on my 2017 Santa Fe. They made the process very easy, anything I had is sent out had prepaid postage along with it. Although you do pay a decent chunk of change to complete the whole process. In the end, my payments are lower and that's all I really care about.
Quick and Easy
I had such a quick and easy experience! Thank you Ann for assisting me!
I had a little more of difficult…
I had a little more of difficult Refinance due to my own circumstances. And they were taken in stride and worked around excellently.
Personalized and efficient
The process was easy and personalized. They assign you a point person which is super helpful. My loan process was managed by Christine Santisteban. She was very helpful and responsive. We were able to do most of our communication through text. Highly recommend!
Great experience, using you guys again…
The employee I had helping me Brad Frizzle was amazing on helping me through the process. Made it quick, easy and almost effortless.
Vince and Filishia were great to work…
Vince and Filishia were great to work with. They helped me save almost $200/month. There was a snag with docusign but otherwise it went well!
This was an amazing service
This was an amazing service. I knew there had to be a way to lower my payments, but in the end I not only lowered my payments with a lower rate but also lowered my term!
NOT what it seemed
While the rategenius reps were great, the overall experience was not what it seemed. I chose to use rategenius for my recent auto refinance so I could do it online. However, in reality very little of it was actually completed online - not only were the rates and details all quoted over the phone, but the application itself had to be done all via mail. It was a pain to have to go back and forth to UPS to have to get this done. If I thought anything would need to be done in person, I would've just gone to my local credit union directly! Beware, they are not what they seem.
Very misleading ads
Very misleading. I received ad in mail directed to me personally that they could reduce my APR two points on the car I purchased, but after completing their forms they told me they couldn't reduce my loan rate as advertised. I wasted two hours giving them my info. Very untrustworthy advertising. My credit rating is as good as it gets, they just can't deliver their info they purport in their ads. Don't waste your time.
I contacted RateGenius again to refinance auto loan
I contacted RateGenius again to refinance my auto loan with a different bank. The agent processed all my documents, initiated a credit check, and then went silent for almost two weeks. After I called a support line, I found out there was no way I could refinance the same Car a second time with RateGenius which the agent failed to explain and check before even starting the process. As a result, I have another hard pull on my credit history and will have to do that again to refinance my loan with another company. This is terrible customer service! UPDATE: RateGenius replied to this review and asked me to call back and resolve the issue. But the funny thing is that every call on this phone number goes directly to voice mail and they never call back! UPDATE 2: Apparently, it was a rate RateGenius policy where they do not refinance the same vehicle multiple times. Be aware of this quirk. But on the positive side, I did talk to them again and they helped me out with a different company that provides the same services.
I was skeptical at first to apply for a refinance on my auto loan because I have been rejected so many times. I was pleasantly surprised that I was approved and with a great rate and a much lower payment. The process was easy and Adrian my direct representative was always available and answered every question I had. I would definitely recommend.
Ann was wonderful to work with
Ann was wonderful to work with! I originally went on a whim to see if I could obtain a lower rate since my interest seemed high for my vehicle. I was able to obtain a lower rate and the customer service she gave was superb!!
Ann with Rate Genius reached out to me…
Ann with Rate Genius reached out to me right away and found a lower interest rate than I was originally pre approved for. My document situation was messy because I had just moved and had differing addresses on documents. Ann was patient and understanding with me. Thank you so much!
Rate Genius definitely helped me a lot!
Rate Genius definitely helped me a lot refinancing. It was super easy, and the representative Ann, was very friendly, professional, and super helpful. I highly recommend. 10/10.
I loved the whole process with…
I loved the whole process with RATEGENIUS! I loved it so much I did a 2nd re-finance with them one week later!
Overall I was pleased with Rategenius
Overall I was pleased with Rategenius. The reps I spoke with were polite, professional, and helpful. They got me a great rate on my auto loan considering the times we’re in and the application process was fairly easy. It did take longer than expected to complete and a little frustrating when waiting days for an update from the loan rep, but in the end all is good.
Best experience. Fast approval and follow up from all personnel involved. Loan was finished in 3 and funded overnight. Can not wait to refinance my second car with them.
Ahead above the rest
Honest, Expediant and very professional. Keith Edwards is the man. Straight to the point and always ready to answer all my questions. If you need help lowering your monthly payment . Rate Genius is the way to go Thanks.
So used rate genius to refinance my
So used rate genius to refinance my truck and they made the process so easy. Their people were very helpful and quick and they made this whole process wonderful
New auto loan
Right from the beginning Aaron was great. He explained everything perfectly, didn't waste anytime, and saved me money. Lower monthly price and lower interest rate. It was super easy and fast!
From the start it was extremely…
From the start it was extremely seemless transaction! My coordinator did everything she said she would on time and was very friendly! Highly recommend
10 out of 10
I worked with Aaron and he exceeded my expectations, every easy and was always available for any questions I had. Rate genius saved me money by lowering my interest rate which made my payment lower. I would recommend rate genius to anyone looking for a better term. Great job guys!!
Auto Refinance…I was referred to…
Auto Refinance…I was referred to Rategenius thru Experian credit website and that was the best decision ever! I was reluctant initially due to past credit history and thought I may not get approved. When I submitted my application Rategenius responded immediately and I was assigned to loan officer “Shrutika Pandey”…even though I was still reluctant due to various reasons with my process she always reassured me that everything would work out and she will go thru the whole process with me and not to worry…we will get thru it together. When my loan was finally approved I was so ecstatic and thankful Shrutika didn’t allow me to give up and because of her I’m able to continue on the up climb of my road of credit repair! Thank you Shrutika and Rategenius! Pamela J
I was directed to Rategenius thru…Credit Karma
I was directed to Rategenius thru Credit Karma. I refinanced my 2021 Yukon. It went very smooth and was painless. I would recommend Rategenius to anyone that asked. Thank you Scott Judge
No explanation or receipt for $35 to open CU account for refi
While the refi process was pretty straight forward, Kathryn sent me an email with the remaining items needed. I was told I had to pay a $35 deposit to open an account with the credit union doing my refi. Even the "receipt" on the website indicated it was a deposit for the CU account. When I finally accessed that new account 1.5 months later, only $5.00 had been deposited. I emailed both my rep Sunny and Kathryn but received no receipt or explanation for what the $30.00 was for and no response to multiple requests for an actual receipt. Can you say scam?
RateGenius car refinance
Gary Ottosi helped me through my car refinancing, getting me a much lower rate and also lower payment. Communicated with me throughout the whole process and went above and beyond to make sure my documentation was received correctly and on time.
Rate Genius is the “Real Deal”
Rate Genius made a lot of promises! I very skeptical about the ability to deliver . They worked very hard to get me the best deal at the best rate. I saved a couple of hundred dollars on my car loan. I’m a fan now Thank you Real Genius.
They were fast and effective through my…
They were fast and effective through my whole experience..Brad was my loan specialist and he was wonderful and went beyond and above for me to get the best rate possible. I would recommend them for sure
Ann McKinley helped me throughout my whole car refinance process and I could have not been more thankful. She went above and beyond for me and was able to get me a loan with the credit union of my choice and a new lower rate. I would recommend her for your refinancing needs! 10/10 would do it all over again.
Full-service car refinance and re-titling platform with cash out options.
AUTOPAY's interest rates start at 2.99%***. See the AUTOPAY review for details.
AUTOPAY's car refinance services are gauged toward applicants with credit scores of 560 and higher.
Great experience! Matt Reindhardt made it a very simple process and was very helpful the entire way. Thank you!
Valeria gave me exactly what I asked for and more- a lower interest rate and some service plans! She was very professional, followed up, and communicated all steps - finding more and more ways to go above and beyond.
Easy process, Matt quickly found me a better loan option, and my account was transferred and my payments lowered in a matter of days. Perfect service, did exactly what they promised.
Thanks Matt for taking care of the…
Thanks Matt for taking care of the remainder of my loan offer. I waited about a month to get the process moving. I was working with Albert at first who was pretty impersonal. I’m glad Matt stepped in and helped complete the process.
Prompt action in making the the loan…
Prompt action in making the the loan happen, I am very appreciative. Thanks!
Quick services and knowledgeable teams
I had a very good experience with Samad…
I had a very good experience with Samad Goodall. Really helpful and patient with me getting my paperwork around. I would highly recommend him. And Autopay. Dave Campbell
Matt is always on top of things he…
Matt is always on top of things he keeps you well informed about everything im glad he help me out
Excellent customer service
I worked with Matt! He was great at explaining everything and was patient with me getting everything signed and sent in. He was always accessible and quick to respond to any questions I had. Thank you Matt for all of your help!!
The typical bait and switch
The typical bait and switch. I was led to believe that I would receive a number of loan options but found out there is only one, Autopay. They called me at home and tried to strongarm me to give them additional information. Horrible company, horrible business practice. I highly recommend going to a reputable bank or credit union to secure a car loan, these "brokers" are only adding an additional layer and cost to an already confusing process. UPDATE A representative just called me to explain their process and I was even more dissatisfied. Autopay does not understand the concept of customer service nor do they believe that they should be transparent about their offering.
Terrible experience. Exceptional credit, no debt and wanted a new purchase auto loan. They said I qualified for several offers. Sent to underwriting and I was NOT approved - I was shocked. I called back to ask for more information, the agent said she would call me back after she spoke to underwriting. Have not heard back.
Quick and simple process
I worked with a man named Matt, very professional and easy to talk to. He was always available to answer my questions. Also made things easy to understand stand.
The process was fast and easy!
I signed up online and the process was easy they helped me along the way and my loan was approved by the bank faster than I thought. I saved $200 on my car loan a month
I was considering refinancing my car…
I was considering refinancing my car loan with this company. They wanted to give me 75 months. That's too long for me. I also did not like Kyle Fergason. He was very impersonal and fast talking. I feel like dealing with this company is a waist of time!!!!!
Courteous, responsive and patient. It took me about a week to get my paperwork done. I was the delay. The representative was always ready to assist and answer any questions. Excellent experience for me.
Great customer service
Great customer service, worked really hard to get me a great deal!! I will recommend autopay to anyone to refinance your vehicle!
Terrible. They lie about the rates the offer and they’re much worse than the market.
Terrible. They lied about the auto loan rates offered online and over the phone. With an 800 credit score on a 72-mo $50k loan, they said it’d be 2.99%. After days of waiting and an hour of my time over the phone giving them my information so they could do an audit before offering a loan, they came back with 8%. Total waste of time and MUCH higher than what was marketed and compared to the market. I’m mostly disgusted by the lying more than wasting my time while shopping for an auto loan. Don’t use these scammers. Go with a local credit union or finance through the car manufacturer.
Matt was a blessing in the sky
Matt was a blessing in the sky! I was looking for a good company to refinance my loan; I contacted Auto Pay and I got the best professional, honest, courteous and positive person on the line. I got exactly I wanted in a matter of days . His great effort to help me make me feel very happy. AutoPay has a great asset with Matt Reindhart ! I thank Matt and your company for the great team you got! I give you 5 stars, I will surely recommend you in the future. Happy Seasons !!! Best of everything for you Matt !😊
Really disappointing No service Just EXTRA FEES
Really disappointed there in no service at all. I thought everything is setup and then I get an email saying that the payment did not go through. and I will get an paper invoice with an extra charge. tried to reach out for the customer service, somebody to talk to and I just get an automated answers that run in loops. Plus they charge for any notification apart from the advertising ones.
Autopay goes the extra mile to get things done.
Well I was getting the run around with a few other companies, and just couldn't get anything approved. I called Autopay and with Mat's help I got over the hump and my loan was approved within hours. Mat kept in touch with me through out the whole process. I was impressed with everything, and would recommend Autopay to all, who don't want maybe's, but yes indeeds. Thank you all for your help.
Thank you Matt
Thank you Matt. Top notch service!!! This was extremely smooth and simple car refinance. Dropped me 11% on rate I currently had. Was a joy to talk with and he had the HUMAN element not robotic rehearsed VERY RARE TODAY!! Thanks again look forward to becoming a repeat customer. Todd
Albert was great in assisting me & gave…
Albert was great in assisting me & gave some good advice!!!! Pretty quick too!!!!!
My experience was super smooth
My experience was super smooth! The gentleman I worked with was so helpful and very knowledgeable! Also, very upfront about the process!
My fiance has a good credit score and…
My fiance has a good credit score and used auto pay off credit krama. They said his chances were excellent on approval of a refinance. Well not without 4500 down. That's ridiculous and very misleading. Don't go through this company .
AutoPay, in particular Blake Rurik, exceeded my expectations in securing a favorable interest rate on my used car loan.
I was very pleased with the professionalism, quality and turnaround time that Blake Rurik was able to provide in securing my very favorable interest rate on my recent auto loan. Blake was able to secure an interest rate that was much better than what I could find locally.
Monica Valdez is awesome
Monica Valdez is awesome. Just got in the mail today that I can refinance thru rategenius at $509 a month. Monica got me $449 a month. Awesome. If you need lower car payments, contact autopay. Better to pay off your car, but sometimes life happens and autopay showed up.
I recieved a letter in the mail
I recieved a letter in the mail. I filled out the information and Monica called me from Autopay. What an AMAZING lady to work with! And being on a fixed income helped me save on my monthly payment. I now can breath each month
Refinancing with Autopay was smooth
Refinancing with Autopay was smooth, quick and easy. My assigned representative; Mason Evans was phenomenal. Mason stayed in communication with me throughout the entire process. He was respectful of my time. He always called back when he said he would and at the requested time I would request. Thank you Mason. I 100% would recommend Autopay for your financial needs. OH! I got an awesome rate.
Matt was such a huge help
Matt was such a huge help! He helped make this transition seamless. My monthly payment dramatically decreased. I highly recommend autopay.
Quick and easy process
Quick and easy process . Matt was the person helping me with everything and he quickly responded to any question I might have had . He also did a very good job of guiding me through the process . Definitely would recommend this company
Fantastic company fantastic service
I have to say that Dane is just amazing! Every time I reached out with a question or concern he immediately got back to me! I saved $170 on my car payment and I saved on the interest rate too! I couldn’t be happier!!!
Funding during Bankruptcy
I filed bankruptcy 3 years ago after divorce. After an unexpected car accident, I got a loan over 14% with a different company. Over the years I’ve been rebuilding my credit, but no one would touch me with the bankruptcy. Autopay approved me for a loan at 7% and greatly decreased my monthly payment. The process was easy and Matt Rinehardt virtually held my hand through the paperwork. I’m so thankful I found them!
Prompt and Professional
Autopay and Jo Hernandez were highly professional and quick. I was able to refinance my vehicle in a matter of minutes. Thank you.
I had being trying off and on to get my…
I had being trying off and on to get my vehicle refinanced with other companies; however I was declined repeatedly. Eventually Credit Karma reached out to me, I received a call from Matt with Auto Pay and he made it happen. Matt was very helpful and professional not to mention patient with me thru the whole entire process. Matt you rock!
Paul. Tapia was very professional in helping me refinance my Dodge Durango for a lot lower interest and payment, and that was a blessing, Thanks Paul
Autopay was very easy to work with when…
Autopay was very easy to work with when refinancing my auto loan. Loan Officer was extremely helpful and patient with gathering paperwork. Would recommend autopay to anyone looking for quick refinancing!
Was approved for a loan NO RESPONSE by email!!!!!
Was approved for a loan. Representative called one time. I emailed them several several times with questions, NEVER received a response. NEVER!!!!!!! Terrible service.....
This was practically an effortless process. One that my husband and I did for the first time. And nearly every step was done on our phones. I highly recommend AutoPay and their well informed and people.
The reps at Autopay were wonderful.They…
The reps at Autopay were wonderful.They kept me I formed every step of the way. They made every effort to get what I wanted.They did not stop until I was satisfied. Thank you for your hard work.
Claudia McDougal has helped me with my autopay application the whole way through. Great customer service, great way to explain the applications and how to sign them. Has answers to every question I asked. 10/10
Claudia Mcdougal from auto pay was…
Claudia Mcdougal from auto pay was Fantastic after going through other companies and being ran in circles I came across auto pay and this process was way easier and less stressful she made it happen quick with no more sleepless nights. She was able to get my auto refinance switch over to way lower and more fair rates!! Thank You AutoPay!!!!
Kevin was great
Kevin was great! Very quick to respond to my questions & gave me a list of everything he needed from me to start the process. Pretty quick turn around time on the best loans out there for me. And I did not feel rushed, used, or lied to like I have in the past. I also did all of it from home & work which was nice! No lost time to sit and wait on finance department to get to me!
My experience with auto pay was great.
My experience with auto pay was top-notch. Kate had all my questions answered, it was actually a learning experience for both of us because my car was still registered in Florida and I have now located to New York. So we had to redo the whole registration process before we were able to complete the loan. She was with me every step of the way and we were in constant communication, the loan funded And is saving me about 150 a month. I would recommend Kate and auto pay highly.
I was suspicious prior to trying this…
I was suspicious prior to trying this company due to some shady things I saw on other reviews. But after the process went very smoothly I am happy. They weren't able to lower my payment as much as I wished but they are saving me money nonetheless. I would do business with them again!
It was okay...
I was pleased with my new contract terms. I was not pleased with the multiple hiccups within the process. My representative could also use some improvement with her customer service skills.
Refinancing our two vehicles with Kevin
Kevin helped my husband refinance his truck. He did such a good job with putting everything together for us to get approved and got our interest rate down and our payment down. My husband advised me to contact Kevin again to refinance my vehicle as I too had a very high payment. Kevin gathered all the information and I got me a great rate with the same credit union that my husband has. We are very happy with Kevin services and his team at Auto Pay. Thank you.
I was skeptical to refinance my loan
I was skeptical to refinance my loan. But my rep Claudia made sure to keep me up to date on every single detail, making this a very easy process to get where we needed to be. I highly recommend this company if you are looking to refinance your loan. Thanks for all the help Claudia
Getting my truck refinanced was a…
Getting my truck refinanced was a breeze. My loan consultant was friendly and professional. He did all the legwork and now my note is considerably less. Thank you to AJB!!
Easy and painless refinance
Claudia was very kind and always made her self available. She made it clear that her goal was for me to have a successful finance, and the entire process was completely painless. Stellar job!
Lease payoff and cash out refinance opportunities. Loan assistant guided process.
Overview of the Car Refinancing Process
Deciding if Refinancing Your Car is Right for You
Check to see if you really want to refinance your car, truck, or SUV. During this step, see how much you can save by using our auto refinance calculator.
Choosing an Auto Refinance Lender
This step involves selecting a lender to start your refinance journey. We can help you with this one. Our top lender picks and what you need to know are provided in the information below.
Submitting Your Information for a Refinance Quote
Once you have selected a lender, start the refinance process by submitting your information for a quote. You can do this easily using their online forms. Many lenders can give you a quote without doing a hard credit pull. These "hard" pulls are the ones which will usually impact your credit score as opposed to the initial "soft" pulls which do not.
Selecting a Refinanced Loan Option
Once your information is submitted, your refinance lender will show you loan options based on your credit score, personal information, and available interest rates. Many lenders have loan officers, agents, or representatives to walk you through this step and answer any related questions you have.
Complete Any Application Details
There may be additional details you need to complete. They may vary based on your vehicle, finances, or credit history. Work with your loan representative to fill in any additional details and information.
Finalizing Your Paperwork
You are only a few things away from your new loan at this point. You just need to finalize the paperwork and sign the documents. Many lenders allow you to e-sign the necessary forms making things quick and easy.
Start Paying on Your Refinanced Auto Loan
Did you make it this far? Great job if you did! Once everything is finalized, you are ready to make payments on your newly refinanced car loan. The lender should have provided the required details to start making your new car payments.
Optional - Adding Additional Products like GAP Coverage
You may want to consider adding additional products to your refinanced loan. This includes things like GAP coverage. GAP stands for "guaranteed asset protection". GAP can be paired with your comprehensive auto insurance coverage to help provide a buffer in catastrophic situations like if your vehicle is totaled, damaged beyond repair (total loss), or stolen. GAP may help to pay off the portion of your auto loan if it is not covered by insurance.
Those are the basic steps you need to complete to refinance your vehicle. You can read more about these steps with our competitive auto refinancing guide. Each lender may have a few platform or process specific things to complete. Make use of the lender’s help desk and agents. Don’t hesitate to ask questions along the way.
Refinance Your Car Loan with the Best
Choosing one of these top-rated auto refinance marketplaces can give you peace of mind. We know auto lending and these top-rated lenders have decades of experience helping people like you. They have helped tens of thousands of customers save money on their car loans. The best auto refinance companies give you results.
Learn how we work to help you find better loan deals, rates, terms, and refinance offers.
We outline the auto refinance process so you know what you expect.
Research Auto Lenders
We track down the premiere auto lenders and marketplaces.
Outline Origination Fees
We call out any origination fees so you don't have any surprises.
Where to Apply
Apply with the best auto refinance marketplaces which suit your needs.
Answers to Questions
Find answers to common refinance questions and concerns.
Get refinancing results from the best marketplaces in the industry.
About Loan Origination Fees
Many auto refinance lenders and marketplaces have origination fees. These are fees which are usually packaged into the refinance process and pay for the loan processing service as well as other administrative details and paperwork. Lending services are businesses and the origination fee is how they get paid. It makes it possible for them to help and better serve you. The result of refinancing often pays back this fee in the form of savings with lower interest rates or other progress towards your refinancing goals.
If you plan on refinancing your vehicle, it is best to look for a lending marketplace which has good customer reviews, a transparent origination or application fee, and a large lender network. This will help you find the best refinance option. If a lender does not have a fee, they are still a business and still getting paid. Only now you don’t know exactly how or what amount they are paid.
Refinance Fee Quick Facts
- When it comes to origination fees, transparency is the best policy.
- The industry average for refinance application fee is around $399.
- When applying, make sure this fee is bundled into your total savings amount and not added on afterward (it usually is bundled with major lenders like Caribou and RateGenius).
- You will still save money when you refinance your car, and the lenders and marketplace will still get paid.
Auto Refinance FAQs
Have questions about the best auto refinance companies and how you can find the right lender to refinance your car?
Check out the information below for answers to frequently asked questions and common concerns.
There are many companies which provide auto refinancing services. The best company for you depends on which one will service your area, accept your credit score, and provide the loan offer you want.
There is normally a loan application fee which is also called a loan origination fee. This fee normally costs around $399 and is charged for your loan handling and processing with lenders.
A loan origination fee is usually a set amount charged for processing and finalizing your loan. It is paid to the lender or lending marketplace which completes the lending process.
Oftentimes yes, paying for a loan origination fee to refinance your car is worth it. This is because the savings you can gain from refinancing your car over the life of your loan is normally many times greater than the fee.
A lending marketplace is a platform which provides different financial services, connects you to a wide lender network, and helps you compare rates and offers between lenders.
A lending marketplace can be a great place to research loan offers. It can save you time and effort by allowing you to apply to many lenders automatically at the same time versus applying to each lender individually.
A soft credit pull is an initial check to verify a borrower's qualifications during the early stages in the refinance process. This pull is performed using a borrower's personal information, including possibly their social security number or SSN, to verify they are eligible for a rate and term offer.
A soft credit pull is usually performed during the pre-qualifying or pre-approval process. Soft credit pulls normally do not impact your credit score.
A hard credit pull is a final check before a lender issues a new line of credit. This pull submits a borrower's information to credit reporting bureaus to double check the risk estimates associated to extending the credit.
A hard credit pull is normally done during the loan offer finalization process. This pull signals that a new line of credit is being issued to the party which will affect their credit score.
Yes, you usually have to provide your SSN or social security number to finalize your refinanced loan.
Lenders can use a borrower's social security number or SSN at several points in the refinancing process. This includes pre-approval, personal information verification, and loan finalization. If an SSN is not available or the borrower does not have one, lenders may be able to substitute other information.
Calculate Refinance Savings
Wondering how much you can save with the best auto refinance companies? Calculate your savings with the car refinance calculator.
*** Interest rates and APRs based on individual marketplace applications using optimal credit scores, recent-year vehicles, and specific terms. Actual rates may differ. Check with individual marketplaces for information on how to access stated rate