Lower your auto loan payments and rate in a matter of minutes when you refinance your vehicle with us today!
If your current car loan is weighing down your budget, it might be time to explore a better option. Refinancing through RateWorks can help lower your interest rate, reduce your monthly payment, and take some stress off your plate. With our fast online process, Florida drivers can lock in smarter terms without the hassle.
Skip the paperwork and long phone calls. Our Florida-friendly refinance process is completely online and only takes a few minutes. You’ll get a personalized quote fast—so you can spend less time stressing over loans and more time soaking up the sunshine.
From beach days to bills, every dollar counts. Refinancing your car loan with RateWorks can lower your interest rate or extend your loan term—giving you extra room in your budget without sacrificing your lifestyle.
As your direct lender, we don’t rely on outside institutions to set your terms. We craft our own rates and pass the savings directly to you. That means more control, more clarity, and offers that truly fit Florida drivers.
No matter your loan term, our Florida rates stay the same—so you can refinance with confidence. We’ve helped drivers across the state save big on their car loans, and we’re ready to help you do the same.
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:
$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*
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.
Our online application takes just a few minutes to complete—no paperwork or phone calls needed. Once your application is submitted and approved, funding typically takes between 4 to 7 days. And if you need help at any point, our team is always ready to assist.
Auto refinancing can help you lock in a lower interest rate, reduce your monthly payment,or shorten the length of your loan. It’s a smart way to free up extra money, improve your loan terms, and stay on top of your finances—without trading in your car or starting over.
Interest rates for auto refinancing in Florida depend on your credit score, loan balance, vehicle type, and loan term. At RateWorks, we tailor your rate based on your unique financial profile. Some borrowers may qualify for significantly lower rates than their current loan—especially if their credit has improved.
To apply, you’ll need some basic information like your current loan details, vehicle info, and personal financial history. We consider factors such as your credit score, debt-to-income ratio, loan-to-value, payment history, and more. Don’t worry—our team will walk you through every step to keep things simple.