1
Editor's pick
Reviewed today
- APR
- 4.99–17.99%
- Min. credit
- 560+
- Loan amount
- $5K–$100K
- Term
- 24–96 mo
Refinance · CA
Refinance your auto loan in California.
California drivers with prime credit see refi APRs around 7.0% right now. Refinancing a typical $22,000 balance from 9.2% to 7.0% saves about $1,075 over the life of the loan.
Live lender snapshot
AutoPay
Best refi marketplace
APR from
4.99%
Caribou
Best for subprime refi
APR from
5.49%
Carputty
Soft-pull · subprime-friendly · luxury ceiling
APR from
5.49%
LightStream
Best for prime refi
APR from
6.49%
Soft pull · Rate-checked monthly
Full comparison tableLive lender snapshot
AutoPay
Best refi marketplace
APR from
4.99%
Caribou
Best for subprime refi
APR from
5.49%
Carputty
Soft-pull · subprime-friendly · luxury ceiling
APR from
5.49%
LightStream
Best for prime refi
APR from
6.49%
Soft pull · Rate-checked monthly
Full comparison table7.0%
California refi APR
↓ 0.3 pts below national avg (7.3%)
720+ FICO, 60-mo term. Experian Q4 2025.
$1,075
Typical lifetime savings
$22,000 balance · 48 months remaining · 9.2% → 7.0% APR.
Soft pull
No credit impact
Pre-qualify with every refi lender on this page without a hard inquiry. Hard pull only if you accept the final offer.
Updated Jun 13See methodology
Free refi calculator · 30 seconds
Already financed? See what refinancing saves.
Drop in your current balance, APR, and what you'd qualify for today. We'll show the new monthly payment and your lifetime savings — then match you to lenders that quote those rates.
$22,000
9.50%
Selecting a band auto-seeds the target APR below — you can still drag the slider to override.
6.50%
48 mo
Your refinance estimate
$31/mo
≈ $1,487 lifetime savings · 48 months remaining
Old payment
$553
New payment
$522
Free · 60 seconds · Soft credit pull · No spam
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.
Estimate only. Real refinance offers depend on credit, vehicle age, mileage, and lender minimums (most require a $5,000+ balance and a vehicle under 10 years old). Closing costs and any prepayment penalty on your current loan should be subtracted from the lifetime-savings number above.
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
Refinance lenders for California drivers.
National refi lenders, soft pull, no spam. Compare side-by-side and pick the one that beats your current rate.
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 | 4.99–17.99% Total int. ~$3,300 · $25k · 60mo | 560+ | $5K–$100K | 24–96 mo | Reviewed today | |
2  Best for subprime refi | 5.49–17.99% Total int. ~$3,645 · $25k · 60mo | 580+ | $8K–$80K | 24–84 mo | Reviewed today | |
3  Soft-pull · subprime-friendly · luxury ceiling | 5.49–19.99% Total int. ~$3,645 · $25k · 60mo | 580+ | $8K–$250K | 24–96 mo | Reviewed today | |
 Best for prime refi | 6.49–13.74% Total int. ~$4,342 · $25k · 60mo | 660+ | $5K–$100K | 24–84 mo | Reviewed today | |
 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 | |
 Best credit union refi | 5.24–17.99% Total int. ~$3,472 · $25k · 60mo | 610+ | $500–$150K | 36–84 mo | Reviewed today | |
 No prepayment penalty · 660+ FICO refi | 5.74–24.99% Total int. ~$3,818 · $25k · 60mo | 660+ | $5K–$55K | 24–72 mo | Reviewed today | |
 Refi-only · 30+ lender network · 525 FICO floor | 5.99–22.49% Total int. ~$3,992 · $25k · 60mo | 525+ | $8K–$150K | 24–96 mo | Reviewed today | |
 Refi-only · military-friendly · A+ BBB | 5.49–19.99% Total int. ~$3,645 · $25k · 60mo | 560+ | $8K–$150K | 24–84 mo | Reviewed today | |
 Refi-only · 24-48 hour turnaround · 20 yr in market | 5.29–19.49% Total int. ~$3,507 · $25k · 60mo | 580+ | $10K–$150K | 24–84 mo | Reviewed today |
2
Reviewed today
- APR
- 5.49–17.99%
- Min. credit
- 580+
- Loan amount
- $8K–$80K
- Term
- 24–84 mo
3
Reviewed today
- APR
- 5.49–19.99%
- Min. credit
- 580+
- Loan amount
- $8K–$250K
- Term
- 24–96 mo
Reviewed today
- APR
- 6.49–13.74%
- Min. credit
- 660+
- Loan amount
- $5K–$100K
- Term
- 24–84 mo
Reviewed today
- APR
- 5.39–17.99%
- Min. credit
- 580+
- Loan amount
- $10K–$100K
- Term
- 12–72 mo
Reviewed today
- APR
- 5.24–17.99%
- Min. credit
- 610+
- Loan amount
- $500–$150K
- Term
- 36–84 mo
Reviewed today
- APR
- 5.74–24.99%
- Min. credit
- 660+
- Loan amount
- $5K–$55K
- Term
- 24–72 mo
Reviewed today
- APR
- 5.99–22.49%
- Min. credit
- 525+
- Loan amount
- $8K–$150K
- Term
- 24–96 mo
Reviewed today
- APR
- 5.49–19.99%
- Min. credit
- 560+
- Loan amount
- $8K–$150K
- Term
- 24–84 mo
Reviewed today
- APR
- 5.29–19.49%
- Min. credit
- 580+
- Loan amount
- $10K–$150K
- Term
- 24–84 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 →
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.
California refinance FAQ
What's the average auto refinance APR in California?+
California drivers with 720+ FICO see refinance APRs around 7.0% on 60-month new-car loans (Experian Q4 2025). Subprime borrowers (sub-660 FICO) typically see 2–4 points higher. Your actual rate depends on credit, loan-to-value, and term selected.
How much could I save refinancing in California?+
If your current auto loan is at the U.S. median pre-refi APR of 9.2% on a $22,000 balance with 48 months remaining, refinancing at the California average of 7.0% saves about $23/month and roughly $1,075 over the life of the loan. Use the estimator above with your actual numbers for a personalized projection.
Are out-of-state refi lenders licensed in California?+
Yes — every refinance lender we list is licensed nationally and serves California borrowers. Local California credit unions sometimes beat national APRs by 0.3–0.7 points for members; worth checking after running the national comparison.
Does California charge tax on a refinanced auto loan?+
California sales tax (7.25%) was paid when you originally purchased the car — refinancing replaces the loan, not the title transfer, so there's no additional state sales tax. California base rate is 7.25%; counties can add up to 2.5% more.
CA Purchase Loans
Buying a car in California? Different funnel.
This page is for drivers who ALREADY have an auto loan and want a lower APR. If you're shopping for a new or used car and haven't taken out a loan yet, the purchase-financing lenders compete on different terms (down payment, term length, dealer rebates). See California's purchase-loan shortlist to pre-qualify before you visit the dealer.
Neighboring states
Compare refinance rates in nearby states.
Bordering states often share carrier mix and pricing patterns — useful if you're moving, work across state lines, or want to anchor your own state's number against a peer benchmark.
Popular cities in California
Get the city-specific refinance breakdown.
Premiums and APRs vary 20-40% across ZIP codes within the same state. The city pages surface hyperlocal carrier mix, risk factors, and savings tactics.