1Editor's pick
AutoPay
Reviewed today
- APR
- 4.99–17.99%
- Min. credit
- 560+
- Loan amount
- $5K–$100K
- Term
- 24–96 mo
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Auto Refinance Savings Calculator
Enter your current loan balance, rate, and what you'd qualify for today. We'll show your new monthly payment and total interest savings.
$22,000
9.50%
6.00%
48 mo
In plain English
Refinancing $22,000 from 9.50% to 6.00% (48 months left) saves you $36/mo — $1,730 over the remaining loan.
Monthly savings
$36/mo
Lifetime savings
$1,730
Old payment
$553
New payment
$517
Estimate, not a quote. Actual rates and terms depend on your credit profile, lender, location, and underwriting criteria. CarSavr does not originate loans or issue policies. See methodology · how we make money.
Refinance savings playbook
5 triggers that signal it's time to refinance
- 1
Your FICO is up 50+ points since you bought — the single strongest predictor of an APR drop ≥ 2 points.
- 2
Market rates dropped ≥ 1 point since your origination date.
- 3
You have 24+ months left on the loan — the break-even window for closing costs.
- 4
Your current APR is ≥ 7.5% AND your credit score is ≥ 670 — …
- 5
You want to remove a co-signer or change the loan term — ref…
Editorial brief
Get our take when refi rates move.
Refi rates move with the 5-year treasury — sometimes 0.5+ points in 6 weeks. Set your target APR and we'll email you our editorial take when rates move materially against it.
Advertiser disclosure: Offers below are from partners that compensate us when you click or apply. Compensation does not determine our rankings. How we make money.
Rates as of Jun 13, 2026
Today's refinance rates
Live APR ranges from refi lenders. Compare these against your current rate above.
Comparing 12 lenders· Rates verified Jun 13
Data last reviewed . Source: CarSavr editorial methodology.
Compare refi lenders side-by-side
Multiple refi quotes — one application
Soft pull · No obligation · Better than your current loan or skip
| Lender | Loan amount | Term | ||||
|---|---|---|---|---|---|---|
1 AutoPay | 4.99–17.99% Total int. ~$3,300 · $25k · 60mo | 560+ | $5K–$100K | 24–96 mo | Reviewed today | NewStack 2–4 lenders side-by-side to compare APR, terms, and scores at once. |
2 Caribou Best for subprime refi | 5.49–17.99% Total int. ~$3,645 · $25k · 60mo | 580+ | $8K–$80K | 24–84 mo | Reviewed today | |
3 Carputty Soft-pull · subprime-friendly · luxury ceiling | 5.49–19.99% Total int. ~$3,645 · $25k · 60mo | 580+ | $8K–$250K | 24–96 mo | Reviewed today | |
LightStream Best for prime refi | 6.49–13.74% Total int. ~$4,342 · $25k · 60mo | 660+ | $5K–$100K | 24–84 mo | Reviewed today | |
RateGenius 150+ partner lenders · 25 years in market | 5.39–17.99% Total int. ~$3,576 · $25k · 60mo | 580+ | $10K–$100K | 12–72 mo | Reviewed today | |
PenFed Credit Union Best credit union refi | 5.24–17.99% Total int. ~$3,472 · $25k · 60mo | 610+ | $500–$150K | 36–84 mo | Reviewed today |
2
Caribou
Reviewed today
- APR
- 5.49–17.99%
- Min. credit
- 580+
- Loan amount
- $8K–$80K
- Term
- 24–84 mo
3
Carputty
Reviewed today
- APR
- 5.49–19.99%
- Min. credit
- 580+
- Loan amount
- $8K–$250K
- Term
- 24–96 mo
LightStream
Reviewed today
- APR
- 6.49–13.74%
- Min. credit
- 660+
- Loan amount
- $5K–$100K
- Term
- 24–84 mo
RateGenius
Reviewed today
- APR
- 5.39–17.99%
- Min. credit
- 580+
- Loan amount
- $10K–$100K
- Term
- 12–72 mo
PenFed Credit Union
Reviewed today
- APR
- 5.24–17.99%
- Min. credit
- 610+
- Loan amount
- $500–$150K
- Term
- 36–84 mo
APR ranges are sourced from each lender's public site and are updated regularly. Your actual rate depends on credit history, loan amount, vehicle, and state. CarSavr may earn a commission when you apply through our links — it never affects how we rank lenders.
Provider logos and trademarks belong to their respective owners and are used for identification purposes only. Providers shown for comparison and educational purposes — display does not imply partnership unless an active affiliate relationship is stated separately.
How rows are ranked: Editor's pick first, then by overall rating. Promoted placements are flagged with a Sponsored badge. Read the full methodology →
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One number leads to the next.
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OpenYour refinance scenario
See lenders for $36/mo savings — $1,730 over the life of the loan.
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