What's the average refinance APR in Denver?

Denver sits inside Colorado's refinance market, where the average refinance APR is 7.1% for a 48-month auto refi at 720+ FICO. Bellco Credit Union and Ent Credit Union dominate Denver refi volume; APRs for prime borrowers run 0.3–0.5 points below the Colorado state average.

How much can Denver drivers save by refinancing?

A typical $22,000 auto loan with 48 months remaining at the 9.2% national pre-refi median saves about $22/month — $1,043 over the remaining term — when refinanced at Colorado's current 7.1% APR.

Which lenders refinance auto loans in Denver?

Any refinance lender licensed in Colorado can refinance loans for Denver residents. Local credit unions typically offer the lowest APRs for prime borrowers; national online lenders are often faster but slightly more expensive.

Will refinancing hurt my credit score in Denver?

Most refinance lenders (including LightStream, AutoPay, Caribou, and PenFed) offer soft-pull pre-qualification first — this does NOT affect your credit. Only the final hard pull (after you accept an offer) reports to the credit bureaus, typically dropping your FICO 5–10 points temporarily.

Refinance · Denver, CO

Refinance an auto loan in Denver.

Colorado's average auto refi APR sits at 7.1% — typical $22,000 loan refinanced from the 9.2% pre-refi median saves about $22/mo over the remaining 48 months. Bellco Credit Union and Ent Credit Union dominate Denver refi volume; APRs for prime borrowers run 0.3–0.5 points below the Colorado state average.

Reviewed by CarSavr Editorial TeamEditorial standards

Colorado avg refi APR

7.1%

60-month new-car refi · 720+ FICO · Experian Q4 2025

Est. monthly savings

$22

Typical $22,000 balance · 48mo remaining · 9.2% → 7.1%

Lifetime savings

$1,043

Over the remaining 48 months

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Rates as of Jun 1, 2026

950+ compared this week

Today's refinance offers for Denver drivers

Compare APR + funding speed across vetted refi lenders. Denver residents can apply to any refi lender licensed in Colorado.

Comparing 7 lenders· Rates verified Jun 1

Data last reviewed Jun 1, 2026. Source: CarSavr editorial methodology.

Free to compare · No obligationHow we score

Sort:

Lender	APR	Min. credit	Loan amount	Term	Rated
1 AutoPay Editor's pick	4.99–17.99% Total int. ~$3,300 · $25k · 60mo	560+	$5K–$100K	24–96 mo	Reviewed today	Free · Soft pull · No obligation
2 Caribou Best for subprime refi	5.49–17.99% Total int. ~$3,645 · $25k · 60mo	580+	$8K–$80K	24–84 mo	Reviewed today	Free · Soft pull · No obligation
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	Free · Soft pull · No obligation
LightStream Best for prime refi	6.49–13.74% Total int. ~$4,342 · $25k · 60mo	660+	$5K–$100K	24–84 mo	Reviewed today	Free · Soft pull · No obligation
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	Free · Soft pull · No obligation
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	Free · Soft pull · No obligation

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