We save drivers $1,200 per year on average

Lower your car payment in a matter of minutes by refinancing with RateWorks today​!


The RateWorks Way

Rateworks is a direct lender, meaning we can offer you competitive rates and no hidden fees! Unlike third-party lenders, we don't outsource any part of our process. We are in it with you for the journey ahead - thats the RateWorks Way! 

We process your application
We service your loan
We process your payment
We collect your application
No hidden fees


How to refinance your auto loan


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.

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.

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.

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?

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.

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 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.

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!

What people are saying about us

I felt I got professional, helpful and friendly service from my rep named Nick

Shemaiah Bryant

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RateWorks was great, everything was fast an simple an all the agents was nice and helpful.

Nicholas Joseph

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Sam was so helpful, he made it easy for me to understand everything. He deserves a raise!


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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.