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That jump could shave a full percentage point off your rate.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":1,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Get quotes from at least 3–4 lenders.","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" Banks, credit unions, and online lenders all price differently. Credit unions in particular tend to offer the most competitive auto refinance rates. Here's the trick: if you submit all your applications within a 14-day window, the credit bureaus typically group the inquiries as a single hit on your score.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":1,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Don't fall for the \"lower payment\" trap.","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" A lender might offer you a much lower monthly payment — but stretch your term from 3 years to 7. Run both scenarios through this calculator and look at the total interest line. That's the number that tells you whether you're actually saving money or just spreading the cost out.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":1,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Ask about fees upfront.","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" Most auto refinances don't have origination fees, which is a nice perk compared to mortgage refinancing. But check for title transfer fees in your state ($5–$75 typically), lien recording fees, and whether your current lender charges a prepayment penalty.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":1,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Calculate your break-even point.","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" If refinancing costs you $200 in fees and saves you $50/month, you break even in 4 months — that's a no-brainer. If fees are $500 and you're saving $25/month, it takes 20 months to break even — still worthwhile if you have 3+ years left, but worth thinking through.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":1,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Don't sit on it too long.","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" Cars depreciate every month, and as your vehicle ages, fewer lenders will refinance it. The sweet spot is typically when your car is 2 to 7 years old. After that, options narrow quickly.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":1,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"A Note on This Calculator","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"heading","version":1,"tag":"h2"},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"These results are estimates based on the numbers you enter. Your actual refinance offer will depend on your credit profile, vehicle details, and the specific lender's requirements. Think of this calculator as your first step — it tells you whether refinancing is worth pursuing. Once you have that answer, shop around, compare real offers from multiple lenders, and make sure the total savings (not just the monthly payment) make the switch worthwhile.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}},"id":"6979ef01c27a6f0004b55f0d"}]}]}],"$L36"]}],"$L37"]}]]}]}]}]
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36:["$","div",null,{"className":"bg-white rounded-lg shadow-sm p-8","children":[["$","h2",null,{"className":"typo-large mb-6 text-mist-950","children":"Frequently Asked Questions"}],["$","div",null,{"className":"space-y-6","children":[["$","div","0",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"How much can I actually save by refinancing my car loan?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"It depends on three things: the gap between your current rate and the new rate, your remaining balance, and how much time is left on your loan. To give you a real sense of scale — a borrower with $25,000 remaining who drops their rate by 3 percentage points over a 4-year term would save roughly $2,400 in total interest. Plug your own numbers into the calculator above to see your exact savings.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","1",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Does refinancing hurt my credit score?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Applying triggers a hard inquiry, which may lower your score by 5–10 points temporarily. But here's the key: if you apply with multiple lenders within a 14-day window, those inquiries are grouped as a single event on your credit report. And once you're making consistent payments on the new loan, your score typically recovers and can even improve over time.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","2",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"How soon after buying can I refinance?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Most lenders want to see at least 60–90 days of payment history, and your vehicle title needs to have transferred to your current lender (which can take 2–3 months after purchase). Practically speaking, 6 months after purchase is when most borrowers have the smoothest experience. Some loans also have a \"seasoning period\" that prevents early refinancing — check your loan terms.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","3",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Can I refinance if I owe more than my car is worth?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"You can try, but it's tough. Being upside down means higher risk for any new lender, so you're unlikely to get a great rate — which defeats the purpose. A better move is to make extra payments for a few months to build equity first, then refinance from a stronger position.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","4",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"What credit score do I need?"}],"$L38"]}],"$L39","$L3a","$L3b","$L3c","$L3d"]}]]}]
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38:["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Most lenders set their floor around 620. For the most competitive rates, you'll want 700+, and the best deals go to borrowers at 740 and above. Below 620, you'll have limited options and likely won't see enough of a rate improvement to make refinancing worthwhile.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]
39:["$","div","5",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Should I refinance to a longer term for lower payments?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"It depends on your situation. A longer term cuts your monthly payment — sometimes dramatically — but you'll pay more in total interest. Use this calculator to compare: enter your remaining term, then try a longer one. Look at both the monthly savings ","type":"text","version":1},{"detail":0,"format":2,"mode":"normal","style":"","text":"and","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" the total interest cost. For Jessica in Example 3 above, the $213/month savings was worth the $1,352 extra interest because she needed budget relief immediately. Your answer may be different.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
3a:["$","div","6",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"What fees come with refinancing a car loan?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Good news here — most auto refinance lenders charge zero application or origination fees. You may see a title transfer fee from your state (usually $5–$75), a lien recording fee, and possibly a prepayment penalty from your current lender. These are typically modest. Add them up and compare against your projected interest savings to make sure the math works.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
3b:["$","div","7",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Can I refinance with my current lender?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Some lenders allow it, but many don't. And those that do often won't offer their most competitive rate to an existing customer — they'd rather keep you at your current terms. You'll almost always find a better deal by shopping around, especially with credit unions.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
3c:["$","div","8",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"How long does the whole process take?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"It's faster than most people expect. Once you apply and submit documentation (pay stubs, loan details, vehicle info), approval usually comes within a few days. From application to funding — when the new lender pays off your old loan — typically takes 1–3 weeks. After that, you just start making payments to the new lender.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
3d:["$","div","9",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Will my car insurance change if I refinance?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Refinancing itself doesn't touch your insurance. But if your new lender requires different minimum coverage levels than your old one (say, a higher comprehensive or collision minimum), you may need to update your policy. A quick call to your insurance provider can sort this out before you finalize anything.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
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