Customers in Houston save an average of $XX a month on car payments.

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

HOW AUTO REFINANCING COULD HELP YOU

I want to save money

Things may have changed since you bought your car, which means you might be in a better position to lower your car payment or your annual percentage rate (APR)—or both. That could translate to immediate savings every month or long term over the life of your auto loan. Get a FREE quote today to see real numbers without hurting your credit score.

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I want to pay off my car faster

Auto refinancing is a good way to reassess the length of your loan term. We might be able to help you shorten it, so you can pay your car off faster. Get a FREE quote today to see real numbers without hurting your credit score.

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I want to lower my APR

Not happy with your annual percentage rate (APR)? Let’s see if we can change that. Auto refinancing could help lower your APR. And that could lead to saving money or paying off your car faster—or both. Get a FREE quote today to see real numbers without hurting your credit score.

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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.

RateWorks

  • 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

Frequently Asked Questions

What makes RateWorks different?

We are professional auto loan experts with an A+ rating from the Better Business Bureau. We do it all from creating our own rates to servicing our own loans the RateWorks team is here to get you the best rate and answer any questions.

How long will the process take?

Just minutes! Our entire process is online to save you time. However, if you need a bit of guidance, our team is on standby for any questions you may have.

When can I start saving?

As soon as you receive your new RateWorks loan terms! Start today by getting a quote to see how much you could save.

Should I be concerned about confidentiality?

Nope.  We don’t require any of your personal information to create a quote.  If you like what you see, you’ll have the opportunity to create an application on the spot.

How can I save money?

A lower rate means lower monthly payments.  And if you are managing a tight monthly budget, we can make the terms and payments work for you.

How much will I save?

That depends on your current rate and terms, but we’ve often saved drivers more than $110 per month and $1,200 per year.

If I refinance am I starting my loan over?

Not necessarily. Generally, when you refinance, your new lender pays off your current loan and replaces it new loan with better terms. To learn more about refinancing, check out our blog, What does refinancing mean?

Should I be concerned about my low credit score?

The best way to tell is by getting a quote - there is no obligation and no impact to your credit score!

“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