Not all lenders are alike

We are in it for the long road ahead. Our drivers save $1,200 on average and as a full-service lender we are with you every step of the way. Find out how much you can save each month with our 100% online, credit check free, instant quote.

Great customer service quick and painless process. I will definitely use them again.
Will Wyatt
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Amount to refinance
Rate and Term
Other Lenders
5% for 72 months
7.79% for 72 months
$0 fees
$2,133 fees
Total amount financed
Monthly Payment
*payments do not include any state or local fees

How we compare

RateWorks was built to save drivers money.  By servicing our loans directly and cutting out the middleman we can offer zero fees and great customer service. Fees can quickly add up, giving you a higher monthly payment.

Why refinance?

Lower monthly payments

A lower auto loan rate means lower monthly payments. If you are managing a tight monthly budget, we can adjust the terms and payments and make them work harder for you.


Does your car qualify?

Under 140,000 miles
You have made at least 3 payments
Less than 10 years old



We're here to help

Mon – Sun, 9 am to 6 pm MST
Phone:  855-925-1647


See how much you can save

Check your rate in less than 5 minutes - it's risk free with no impact to your credit score.

Check your rate

Find out how much you can save today with our easy online quote. No obligation or impact to your credit score, just great rates.

Select your loan terms

Build the loan that makes sense for you. With several different term options refinancing with RateWorks can create flexibility within your monthly budget.

Easily apply 100% online

No need for extra documentation or unnecessary phone calls. If you do need a helping hand the RateWorks team is on stand by to guide you through the process.

Start Saving

It’s that simple. Join the many users who have refinanced with RateWorks.

Why RateWorks


Your auto refinance partner

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.


No surprise fees, no hassle, no frustration

RateWorks is a resource you can trust; what you see is what you get. At closing, there are no mystery fees or mark-ups attached to your new low rate.


Terms and rates designed for you

Our rates are built to fit your needs. No matter what term you choose, we offer the same great rates.

The RateWorks way

RateWorks is a direct lender, we are with you throughout your journey ahead. We create our own rates, process our own applications, service our own loans, and conduct our own payment processing.


  • Collects application
  • Processes application
  • Services loan
  • Payment processing

Third party lenders

  • Collects application
  • Processes application
  • Services loan
  • Payment processing

Lead generators

  • Collects application
  • Processes application
  • Services loan
  • Payment processing

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.

Free quote