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Matthew Oliver
April 24, 2025
Choose your loan term
Select a loan with the best auto loan rates that fit your budget and goals, you can save hundreds* if not thousands, of dollars.
We are the lender
At RateWorks, we provide support every step of the way — from the initial quote to payment processing.
No surprise fees
RateWorks offers transparent and upfront pricing with no unexpected fees added on to your loan.
Easy auto loan refinancing
Pay off your car loan faster with RateWorks
How we compare
RateWorks vs other lenders
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.
Loan Details
RateWorks
Other Lenders
Amount to Refinance
$21,000
$21,000
Rates and Terms
7.79% for 72 months
5% for 72 months
Fees
$0 fees
$2,133 fees
Total Amount Financed
$21,000
$23,133
Monthly Payment
$356*
$360*
The RateWorks way
At RateWorks, we are dedicated to helping our customers save money and achieve their financial goals. Our commitment to integrity, quality, honesty, and trust is reflected in our direct servicing approach, which cuts out the middleman and allows us to offer zero fees and exceptional customer service.
Why Choose Us
RateWorks
✓
Collects application
✓
Processes application
✓
Services loan
✓
Payment processing
Third Party Lenders
✓
Collects application
✓
Processes application
X
Services loan
X
Payment processing
Lead generators
✓
Collects application
X
Processes application
X
Services loan
X
Payment processing
who we are
The RateWorks story
RateWorks is dedicated to helping car enthusiasts achieve lower interest rates on car loans.
Need Help?
Frequently asked questions
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.
If I refinance, am I starting my loan over?
When can I start saving?
How can I save money by refinancing?
What makes RateWorks different?
Should I be concerned about my credit score?
Our Insights
More financial tips from our blog
Stay up-to-date on the latest trends, gain practical advice and insightful analysis to help you make informed decisions about your financial future.
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NMLS ID # 1458842You understand and agree that you are providing instructions to RateWorks and/or its partners, under the Fair Credit Reporting Act ("FCRA"), to access information from your personal credit profile or other information from TransUnion. You authorize RateWorks and/or its partners to obtain such information solely to conduct a pre-qualification for credit. By checking the box and proceeding we will initiate a "soft pull" of your credit. This will not affect your credit score.
