We save drivers $1,200 per year on average

Lower your car payment in a matter of minutes by refinancing your vehicle today!

No surprise fees

At closing, there are no mystery fees or mark-ups attached to your new low rate.


We are the lender

We are with you the entire way. From quote to payment processing we are here 24/7. That’s the RateWorks way!


Choose your loan term

Regardless of the loan term you choose, we offer the same great rates.

No Surprises, No Hassle, No Fees, just a fast and easy auto refinance


How to refinance your auto loan


Fast and easy auto refinance

Step 1

Get a Quote

In minutes you can find out how much you can save. Receiving a quote requires minimal personal information and will not impact your credit score.

Step 2

Select your loan offer

RateWorks offers terms ranging from 36-75 months, so you can pick a timeframe that works best for you and your budget.

Step 3

Complete your application

Finalize your application online - no additional documents are needed! If you have any questions, our RateWorks team is standing by, ready to help.


Why refinance?

Lower monthly payments

A lower auto loan rate means lower monthly payments. If you are managing a tight monthly budget, let us adjust the terms and payments to save you money.

Does your car qualify?

Under 140,000 miles
You have made at least 3 payments
Less than 10 years old

The RateWorks way

RateWorks is a direct lender, we are with you throughout your journey ahead. We create our own rates, process our own applications, service our own loans, and conduct our own payment processing.


  • Collects application
  • Services loan
  • Payment processing
  • Processes application

Third party lenders

  • Collects application
  • Processes application
  • Services loan
  • Payment processing

Lead generators

  • Collects application
  • Processes application
  • Services loan
  • Payment processing
“I like the service and how you explain things to me. Thank you for getting our application approved, I am very happy about the monthly payment.”
- Deborah Y.
Trustpilot logo and link

With RateWorks, you could start saving today!

Lower your auto loan payments, and lower your rate in a matter of minutes when you refinance your auto loan with us today! It's just that simple.