{"id":19639,"date":"2022-02-03T14:13:32","date_gmt":"2022-02-03T14:13:32","guid":{"rendered":"https:\/\/www.etags.com\/blog\/?p=19639"},"modified":"2026-01-16T10:04:28","modified_gmt":"2026-01-16T10:04:28","slug":"how-does-refinancing-a-car-loan-work","status":"publish","type":"post","link":"https:\/\/www.etags.com\/blog\/how-does-refinancing-a-car-loan-work\/","title":{"rendered":"How Does Refinancing A Car Loan Work?"},"content":{"rendered":"\r\n<p>Depending on your financial situation, refinancing your car loan may be a good idea. In fact, the State of Auto Refinance 2021 Key Findings report showed Americans saved an average of $989.72 a year on refinancing their car in 2020\u2013 the largest amount since 2016.\u00a0<\/p>\r\n\r\n\r\n\r\n\r\n\r\n<p>Ideally, you\u2019ll save money with a lower interest rate or perhaps a shorter payment term. If you\u2019re in a better financial position than when you started the loan, removing your cosigner (and setting them free) is also an option. Read on for some tips that might help you decide if refinancing your auto loan is a good idea for you.\u00a0<\/p>\r\n\r\n\r\n\r\n<p><strong><span class=\"has-inline-color has-vivid-green-cyan-color\">What does car refinancing mean?<\/span><\/strong><br \/>Refinancing your auto loan means replacing your current loan with a new one. The new bank or other financial institution like Toyota Financial Services typically pays off your old loan. You\u2019ll receive a new term length, hopefully, lower interest rates, and a new loan agreement.<\/p>\r\n\r\n\r\n\r\n<p class=\"is-style-cnvs-paragraph-callout\">RateGenius says 16% more Americans applied to refinance their auto loans in 2020 than in 2019<\/p>\r\n\r\n\r\n\r\n<p><span class=\"has-inline-color has-vivid-green-cyan-color\"><strong>Step 1- Is refinancing your car loan a good idea for you?<\/strong><br \/><\/span>There are a few factors that can help you determine if a car loan refinance makes sense for you.\u00a0<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>How much do you owe on your car? You don\u2019t want to be upside down if you owe more than you\u2019ve paid so far. If this is the case, lenders may not agree to pay off the remaining balance of your current loan. Some banks will rollover your current remaining balance to your new loan. You really want to crunch the numbers on this one and make sure it makes financial sense. That interest rate has to be low, low, low in order for it to work.\u00a0<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>How much is your car worth? You can check the value of your vehicle on websites like kelleybluebook.com. If your car truck or motorcycle is not worth quite as much as you thought, it may be best to just keep paying off your current loan and keep your vehicle in the best shape possible. Remember automobiles depreciate in value starting the moment you sign on the dotted line. And fast! It\u2019s a good idea to keep up with what the vehicle is valued at regularly.\u00a0<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>A brand new car loses anywhere between 9%-11% of its value the moment you drive off the dealership lot. A year later, the car is worth 20% less and will keep depreciating 15%-25% every year until it hits the five-year mark. By then, your car is worth 60% less than when you first bought it. Of course, that\u2019s the general rule of thumb, but these days with used car prices being so high seems like many cars are holding their value.<br \/><strong><a href=\"https:\/\/www.etags.com\/blog\/negotiating-your-car-lease-buyout-market-value-financing-and-more\/\" target=\"_blank\" rel=\"noreferrer noopener\">SEE ALSO: NEGOTIATING YOUR CAR LEASE BUYOUT<\/a><\/strong><\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p class=\"is-style-cnvs-paragraph-callout\">Sometimes lenders won\u2019t refinance vehicles that are over eight years old or have over 100,000 miles on the dashboard<\/p>\r\n\r\n\r\n\r\n<p>But you also need to ask yourself some more personal questions.\u00a0 For example, is your financial situation better than it was at the start of your current loan agreement? You can and you should check your credit score often to stay on top of any changes on your report like charge-offs or late payments. Experian is a great app to monitor your credit. Also, you can get access to your credit report from all three credit bureaus (Equifax, Transunion, and Experian) at <a href=\"http:\/\/www.annualcreditreport.com\">www.annualcreditreport.com<\/a> for free through April.\u00a0\u00a0<\/p>\r\n\r\n\r\n\r\n<p>This is solid information that you need to know if you want to borrow more money for anything. If your credit isn\u2019t any better, you may not qualify for lower interest rates when refinancing your car. Remember, after refinancing, you\u2019ll have to do a title transfer and re-register the vehicle. Depending on where you live, this could tack on a few hundred dollars to the bill. Take Ohio for instance, you may only pay about $85 in total to transfer the title and register your car. That\u2019s a huge difference from the potential $400 you could pay in Florida.<\/p>\r\n\r\n\r\n\r\n\r\n\r\n<p class=\"is-style-cnvs-paragraph-callout\">The CreditReview advertises car refinancing rates as low as 1.85% APR in 2022<\/p>\r\n\r\n\r\n\r\n<p><span class=\"has-inline-color has-vivid-green-cyan-color\"><strong>Did you agree to any prepayment penalty or fees if you pay off your loan early?<\/strong>\u00a0<\/span><br \/>By refinancing, your new lender will essentially buy out your old loan. A lot of times lenders charge a percentage to pay off your loan sooner than the agreed-upon date. Check your current finance agreement to see the terms of your loan.\u00a0<\/p>\r\n\r\n\r\n\r\n<p>You\u2019ll want to take this into consideration when calculating the potential savings a refinance might bring. For instance, if the agreement you\u2019re in right now has a 5% prepayment penalty you\u2019ll incur, and your new interest rate is only 3% less than it is now, it\u2019s not worth the jump. Remember, banks want to finance you, but they want to keep financing you. It\u2019s how they make their money!\u00a0<\/p>\r\n\r\n\r\n\r\n<p><strong><span class=\"has-inline-color has-vivid-green-cyan-color\">Step 2- Gather your documents, including pay stubs<\/span><\/strong><br \/>No matter what, your next step should be to get your paperwork in order. The act of refinancing doesn\u2019t really take long at all, maybe an hour once the details are sorted. You\u2019d hate to prolong the process by not having the right documents! Pull together the following items:<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>Your driver\u2019s license (obviously, right?)<\/li>\r\n<li>Your current vehicle insurance<\/li>\r\n<li>Your <strong><a href=\"https:\/\/www.etags.com\/app\/us?utm_source=blog_article\" target=\"_blank\" rel=\"noreferrer noopener\">current registration<\/a><\/strong>&#8211; you need information from here like the VIN, it could also serve as proof of address if needed<\/li>\r\n<li>Your social security card. Or just make sure you know the number!\u00a0<\/li>\r\n<li>Your current loan agreement and a paystub or a bill (however you make your payments) &#8211; you\u2019ll need to know your interest rate, your current balance on the loan, and any pre-payment information. It\u2019s a good spot to find the customer service number as well.\u00a0<\/li>\r\n<li>Pay stubs from your employer- makes sense, a new lender is going to make sure you can pay them back!\u00a0<br \/>There might be a few specific items a lender may ask for but these are a good head start.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p class=\"is-style-cnvs-paragraph-callout\">Using an auto refinance calculator, like one from nerdwallet.com, is a good way to check the numbers; Plugin details like the loan term, the interest rate, and the price tag to see if your lender is on their game<\/p>\r\n\r\n\r\n\r\n\r\n\r\n<p><strong><span class=\"has-inline-color has-vivid-green-cyan-color\">Step 3- Shop around, get pre-qualified if you can<\/span><\/strong><span class=\"has-inline-color has-vivid-green-cyan-color\"><br \/><\/span><span class=\"has-inline-color has-black-color\">It\u2019<\/span>s nice to start with your current lender and see if they can offer you a better rate in-house. That would certainly make the transition an easy one since they already have all of your information. That\u2019s not to say, it\u2019s not a good idea to see what else is out there. Scroll through websites for a few different banks and see what kind of interest rates someone in your financial state could qualify for (that\u2019s why it\u2019s good to know your credit score!).\u00a0<\/p>\r\n\r\n\r\n\r\n<p>But don\u2019t send a bunch of applications to all sorts of lenders without thinking this thing through! Decide your front runners, and get prequalified. This will prevent the multiple hard inquiries on your credit that will inevitably drop points off your score. To be clear, pre-qualification is not a loan offer. You still need to submit a complete application to get the loan. A good pre-qualification is like dipping your toe in the water. You\u2019re going to get a feel for the lender\u2019s temperature on you.<\/p>\r\n\r\n\r\n\r\n<p><strong><span class=\"has-inline-color has-vivid-green-cyan-color\">Step 4- Apply, but don\u2019t give anyone any money yet!<\/span><\/strong><br \/>Now that you\u2019ve shopped for the best rates, been prequalified with a couple of lenders, go ahead and submit those applications. The process shouldn\u2019t take you more than an hour or so. You typically hear back right away. So, no need for nail-biting! Apply to more than one lender. See who bites. It shouldn\u2019t cost you a dime to apply for a new car loan, so it\u2019s a red flag if someone is asking you for money!\u00a0<\/p>\r\n\r\n\r\n\r\n\r\n\r\n<p><strong>Pro-tip<\/strong>&#8211; Submit all your applications to the lenders of your choice at the same time. This eases up on the credit score drop. You may only see a few points fall off.<\/p>\r\n\r\n\r\n\r\n<p class=\"is-style-cnvs-paragraph-callout\">An origination fee is an upfront fee some lenders charge to refinance<\/p>\r\n\r\n\r\n\r\n<p><strong><span class=\"has-inline-color has-vivid-green-cyan-color\">Step 5- Review and sign<\/span><\/strong><br \/>Once you\u2019ve been approved, read through the terms and conditions. Pay close attention to what you\u2019re agreeing to. Some approvals may be different by the slightest details except, they might not be slight to you. One lender may include a prepayment penalty, while another may charge a refinance fee upfront.\u00a0<\/p>\r\n\r\n\r\n\r\n<p>Decide which lender (that approved you) works best for you. Take note of the details: when you need to make your first payment and when your car payment is due each month. Your credit will already take a small hit from the refinance, you don\u2019t want to add insult to injury by missing future payments. Start off on the right foot.\u00a0<\/p>\r\n\r\n\r\n\r\n\r\n\r\n<p>Shopping for a better auto loan can be a real money saver. Just make sure to do your research and pay very close attention to the process. Consider all the benefits but all the risks as well and be sure refinancing is for you.<\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>Depending on your financial situation, refinancing your car loan may be a good idea. In fact, the State of Auto Refinance 2021 Key Findings report showed Americans saved an average&hellip;<\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1592,1591,18],"tags":[1686,1687],"class_list":{"0":"post-19639","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-car-buying","7":"category-electric-vehicles","8":"category-vehicle-titles","9":"tag-auto-loan","10":"tag-car-refinancing"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.5 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How Does Refinancing A Car Loan Work? | eTags - Vehicle Registration &amp; Title Services<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.etags.com\/blog\/how-does-refinancing-a-car-loan-work\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Does Refinancing A Car Loan Work?\" \/>\n<meta property=\"og:description\" content=\"Depending on your financial situation, refinancing your car loan may be a good idea. 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