Auto refinance rates change frequently. Here are today's auto refinance rates.
Auto Refinance Rates
| Loan Term | Excellent 750-850 | Good 700-749 | Fair 640-699 | Poor 639 or less |
|---|---|---|---|---|
| 36 Months | 4.67% | 6.48% | 8.03% | 11.84% |
| 48 Months | 5.55% | 7.15% | 10.11% | 13.27% |
| 60 Months | 5.68% | 7.05% | 9.81% | 13.43% |
| 72 Months | 6.15% | 7.16% | 9.84% | 13.35% |
36 Month | 48 Month | 60 Month | 72 Month
36 Month Term
| Credit Range | APR* |
|---|---|
| Excellent 750-850 | 4.67% |
| Good 700-749 | 6.48% |
| Fair 640-699 | 8.03% |
| Poor 639 or less | 11.84% |
48 Month Term
| Credit Range | APR* |
|---|---|
| Excellent 750-850 | 5.55% |
| Good 700-749 | 7.15% |
| Fair 640-699 | 10.11% |
| Poor 639 or less | 13.27% |
60 Month Term
| Credit Range | APR* |
|---|---|
| Excellent 750-850 | 5.68% |
| Good 700-749 | 7.05% |
| Fair 640-699 | 9.81% |
| Poor 639 or less | 13.43% |
72 Month Term
| Credit Range | APR* |
|---|---|
| Excellent 750-850 | 6.15% |
| Good 700-749 | 7.16% |
| Fair 640-699 | 9.84% |
| Poor 639 or less | 13.35% |
* These rates are current as of September 15, 2024, and subject to change. Rates may not be available in all states. Customers must meet income qualifications, debt to income requirements and other vehicle restrictions such as loan to value, age, and mileage.
Does your vehicle qualify for refinancing?
Make sure your vehicle is...
- Under10 years old
- Under120,000 miles
- Apersonal use vehicle
...and your current auto loan must have
- A balance between$10,000 and $55,000
- Funded at least1 month ago
- At least24 months of payments left
* Annual Percentage Rate (APR) estimates represent an average of available rates among lenders in rateGenius’ lender network across various geographic regions. The estimates assume a loan to retail value ratio (LTV) of no more than 125% and a debt to income ratio (DTI) of no more than 50%. In addition to an individual’s LTV and DTI, the actual APR you may receive is dependent upon many factors evaluated at the time of application, which may include, among other factors, credit score, loan amount, loan term, vehicle information, credit usage and history. All loans are subject to credit review and approval. Estimated APR’s may not be available in the geographical area of your residence. While efforts have been made to maintain accurate information, the estimated APR or other terms presented do not bind any lender. Lenders generally have a range of available APRs (for example, a lender’s range might be 2% to 24%) and only borrowers with excellent credit will qualify for the lowest rate available.
