2026 RateGenius Auto Refinance Review
Best for borrowers with less-than-perfect credit: If you’re struggling to get approved for auto loan refinancing, and partners with more than 150 lenders.
auto refinance review at a glance
| Starting annual percentage rate (APR) | Loan terms | Loan amounts | Fees
Fee information in this review reflects what the lender publicly discloses on its website or to LendingTree directly, and doesn’t necessarily cover all fees that exist. Other fees may apply. “Not specified” means the lender has not provided fee details to us and/or doesn’t publish its fees.
| Minimum credit score | ||
|---|---|---|---|---|---|---|
| Refinance auto loans | months | Documentation fee: Up to |
pros and cons
Pros
- Customer service is available by text
- Submits your application to the lender of your choice on your behalf
- One application give you access to 150+ lenders
- Recommended by 90% of LendingTree users who have used to refinance
Cons
- May need to wait up to two days to find out if you’re approved
What you need to get an auto refinance loan with
To qualify for a
Estimate your monthly payment
When banks compete, you win
Compare live offers from multiple lenders in minutes. LendingTree helps you see today’s real rates, choose your best match and save more without affecting your credit.
Tell us what you need
Take two minutes to tell us who you are and how much money you need for your vehicle — we’ll take care of the rest. It’s free, simple and secure.
Shop your offers
We’ll send you offers from up to five trusted lenders. Compare your offers side by side to see which one will save you the most money.
Get your money
It’s smooth sailing once you finalize your loan with your lender — you could see money in your account in as soon as 24 hours.
Is a auto refinance loan right for you?
A
Shop around for car insurance on the LendingTree marketplace to find affordable rates. Among consumers who switched providers, 92% said they saved money and nearly two-thirds saved at least $100 on their annual car insurance rate, according to our latest survey.
How auto refinance loans compare
, and are all lending platforms that specialize in auto refinancing. They all also accept fair or poor credit. Here’s how they stack up. Note that the rates below apply to auto refinancing only.
| Starting APR | |||
| Loan terms | months | months | months |
| Loan amounts | |||
| Fees
Fee information in this review reflects what the lender publicly discloses on its website or to LendingTree directly, and doesn’t necessarily cover all fees that exist. Other fees may apply. “Not specified” means the lender has not provided fee details to us and/or doesn’t publish its fees.
| Documentation fee: Up to | Not specified | Not specified |
| Minimum credit score |
All three auto refinance lenders have competitive starting APRs and the same loan terms.
At 500, has the lowest minimum credit score requirement. ’s minimum credit score is also lower than . , compared with
Frequently asked questions
. This offers flexibility for those with less-than-perfect credit, but could result in higher interest rates or less favorable loan terms, since lenders usually reserve their best rates and terms to those with high credit.
Yes, is a legitimate company that partners with over 150 lenders and has funded more than 400,000 loans. It can help you find competitive rates and loan options, even if you have a lower credit score.
Yes, ’ website. This only takes a soft pull, so it won’t hurt your credit.
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