We save our customers on average $1,200 PER year

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

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 - 72 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


We're here to help

Mon – Sun, 9 am to 6 pm MST
Phone:  855-925-1647
Email: savemoney@rateworks.com

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
Processes application
Services loan
Payment processing

Third Party Lenders

Collects application
Processes application
Services loan
Payment processing

Lead Generators

Collects application
Processes application
Services loan
Payment processing

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“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.
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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.

Free quote