We offer the same rates for all term options, so you can feel confident knowing your situation is covered. We've saved customers hundreds, and sometimes thousands of dollars on their loans, and we could do the same for you!
We offer a quick and easy process to get you a great rate for your new loan. Simply fill out our 100% online form and receive a personalized quote within minutes.
We’re committed to helping you get lower interest rates and better payoff terms on your car loans. This means more money in your wallet and more time spent exploring wherever the road may take you.
Because we are the lender, we have more control on the low rates that we can pass along to you. Our commitment to transparency ensures you will receive fair and competitive terms on all of our offers.
Refinancing your car loan with RateWorks is like finding a secret stash of cash under your car seat - except it's not a secret, and it's not under your car seat - it's right there in your wallet!
Refinancing your car loan with RateWorks hits the fast-forward button on your payment schedule - helping you pay off your car faster and get on the road to financial freedom.
Get on better terms with your loan payment - restructuring your current loan gives you the flexibility to enjoy a little financial breathing room when you need it!
Our clients should always be stress-free from start to finish, but our experts are always here to help with any questions that do come up along the way.
Even though other lenders claim to offer lower interest rates, they charge fees that can make up the difference. When comparing lenders, be sure to look at everything; the interest rate, length of loan, fees, and the monthly payment.
Amount to Refinance
Rates and Terms
7.79% for 72 months
5% for 72 months
Total Amount Financed
We make it easy to get a quote. With no hard credit check involved, all you need to do is head over to our free online form, select the state where you live, tell us the amount of your current monthly payment, your income, and information about your car. You’ll then have your projected payment amount in hand!
Once you complete your quote portion of our form, you can accept the initial quote terms and choose how many months you'd like to pay off your new loan.
Once you've selected the terms on your new loan, one of our experts will verify your info and help you with the final steps on your application. You'll have your shiny new loan and can look forward to some more money in your wallet!
Join hundreds of satisfied RateWorks customers who have experienced our exceptional service firsthand plus our commitment to our core values of integrity, quality, honesty, and trust.
I tried to refinance my car twice before and one time they said it was a done deal, I mailed my car title and then....... said they were unable to help. So I was skeptical Rateworks was going to help, but they surprised me and got it done!!
The whole thing was great, I had recently considered refinancing my car but wasn't sure which way to go. turned out Nick contacted me about refinancing the car after recently purchasing a car and financing through Foursight Capital. I mostly dealt with Nick but also talked with Sam a couple of times and both were fabulous. This experience went smoother than any transaction I've ever made not to mention it's going to save me money. I would give it a ten star rating and two thumbs up if it were an option. Thanks again guys.
Sam was great. He was knowledgeable and quick to respond. I would recommend this company.
It’s was great!!!!! I tried before with a different company and was given the run around for 3 weeks.
My experience was great. Sam worked with me on my refinance was very forthcoming provided me all the...... answered all my questions Sam was never pushy he was very patient allowed me to come to him and not only that offered me the best deal worked with me on numbers $ and I feel I came out on top ! I highly recommend rate works!
Sam did an amazing job, he was very patient with me, during this process. I struggled with understanding the........ paperwork, and he reassured everything was fine, and would explain it another way to help me understand what I was doing. I would highly recommend your business to anyone looking to refinance. Thank you very much, and I’m very grateful for your help.with credit. Sam Armijo is very professional and is able to help you with any concerns and questions you may have. Thanks for the opportunity. I finally have some breathing room on finance. Thanks
RateWorks is not like other car refinance companies. We offer a fast and hassle-free auto refinance process that saves you both time and money.
It takes just minutes to apply! Our entire application 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. Once your application process is complete, it takes about 4-7 days to complete your funding process and get you on the road.
A lower rate means lower monthly payments! If you are managing a tight monthly budget, we can make the terms and payments work for you and your situation.
When you request a quote from RateWorks, we conduct a soft credit inquiry. Not only is there no obligation to move forward, but the quote process has no impact on your credit score. A hard credit pull will only be conducted after we fund your loan.
Refinancing your loan does not necessarily mean your loan is starting over. When you refinance a loan, you are essentially taking out a new loan to replace your existing one. The new loan is used to pay off the remaining balance on the original loan, and the terms of the new loan are typically more favorable than those of the original loan. Most customers refinance to get a better interest rate, lower their monthly payments, or change the loan terms to better suit their financial situation. To learn more about refinancing, check out our blog, What does refinancing mean?
For an accepted application, we look at things such as: Debt to income, payment to income, loan to value, time on bureau, credit score, and some other factors that may be specific to you.