.png){kind=avatar}
5 min read
Choosing Your Family's Ride: 10 Top Cars for 2023
Sarah T.
November 10, 2023
Start saving with auto refinancing
RateWorks auto loan refinancing is designed for car enthusiasts and anyone who wants the best auto loan rates on their vehicle. Enjoy knowing you're getting the best possible car loan rates that fit your situation no matter how long the term.
More Monthly
Savings
Save up to $100 per month
Build your rate
Auto refinancing with RateWorks
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!
It's a quick easy process
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.
Save more in your wallet
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.
We construct our own rates
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.
Why should you refinance?
Interest rates are constantly in flux. And with RateWorks, you can experience some substantial car loan refinance savings. Refinancing allows you to free up extra cash in your budget, pay off your loan faster, and improve your overall financial health.
Save more money
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!
Pay off your loan faster
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.
Restructure your loan
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!
Break up with banks
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.
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*
Total Percentage
Does your car qualify?
If you check these boxes, you may be ready for a refinance!
Is your car under 140,000 miles?
Have you made at least 3 payments on your loan?
Is your vehicle under 10 years old?
how it works
Our auto refinancing process
01
03
02
Get a quote
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!
Select your loan
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.
Complete application
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 more money in your wallet!
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 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.
TESTIMONIALS
What they say about us
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.
MG
Very quick to help and very responsive to your needs .Excellent company to do business with I would definitely choose them again!were unable to help. So I was skeptical Rateworks was going to help, but they surprised me and got it done!!
DM
Nick was great and very professional and timely. Easy to work with, overall great experience.recommend this company.
AC
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.
LE
It’s was great!!!!! I tried before with a different company and was given the run around for 3 weeks.
IJ
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!
AS
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
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.
How long will the process take?
How can I save money by refinancing?
Should I be concerned about my credit score?
If I refinance, am I starting my loan over?
What factors are taken into consideration on my application?
Auto Refinance Tips
Stay informed about the latest trends and developments in the world of auto loan refinance and get practical advice and analysis to help you make informed decisions about your financial future.
© 2024 Copyright. RateWorks. All rights reserved.
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.
