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 on you Auto Loan

No surprise fees

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

Rateworks saves you money

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!

Refinance your auto line online with Rateworks

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

Rateworks online Auto Loan Application
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.

Rateworks Auto Loan Rates
An example of a Rateworks Auto Loan Refinance quote
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
Rateworks customer testimonials

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.