What's the average auto refinance APR in North Dakota?

North Dakota drivers with 720+ FICO see refinance APRs around 6.8% 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 North Dakota?

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 North Dakota average of 6.8% saves about $25/month and roughly $1,175 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 North Dakota?

Yes — every refinance lender we list is licensed nationally and serves North Dakota borrowers. Local North Dakota credit unions sometimes beat national APRs by 0.3–0.7 points for members; worth checking after running the national comparison.

Does North Dakota charge tax on a refinanced auto loan?

North Dakota sales tax (5%) was paid when you originally purchased the car — refinancing replaces the loan, not the title transfer, so there's no additional state sales tax. North Dakota motor vehicle excise tax is a flat 5%.

What's the average auto refinance APR in North Dakota?

North Dakota drivers with 720+ FICO see refinance APRs around 6.8% 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 North Dakota?

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 North Dakota average of 6.8% saves about $25/month and roughly $1,175 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 North Dakota?

Yes — every refinance lender we list is licensed nationally and serves North Dakota borrowers. Local North Dakota credit unions sometimes beat national APRs by 0.3–0.7 points for members; worth checking after running the national comparison.

Does North Dakota charge tax on a refinanced auto loan?

North Dakota sales tax (5%) was paid when you originally purchased the car — refinancing replaces the loan, not the title transfer, so there's no additional state sales tax. North Dakota motor vehicle excise tax is a flat 5%.

Refinance · ND

Refinance your auto loan in North Dakota.

North Dakota drivers with prime credit see refi APRs around 6.8% right now. Refinancing a typical $22,000 balance from 9.2% to 6.8% saves about $1,175 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 table

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 table

Reviewed by CarSavr Editorial TeamReviewed Jun 29, 2026Editorial standards

6.8%

North Dakota refi APR

↓ 0.5 pts below national avg (7.3%)

720+ FICO, 60-mo term. Experian Q4 2025.

$1,175

Typical lifetime savings

$22,000 balance · 48 months remaining · 9.2% → 6.8% 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 30See 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.

Current loan balance$22,000

Current APR9.50%

Credit band

Selecting a band auto-seeds the target APR below — you can still drag the slider to override.

Target new APR6.50%

Months remaining48 mo

Your refinance estimate

$31/mo

≈ $1,487 lifetime savings · 48 months remaining

Old payment

$553

New payment

$522

Free · 2 min · 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.

Refinancing in North Dakota — the editor's read

North Dakota drivers refinancing today are seeing prime-credit auto refi APRs around 6.8% — roughly 0.5 percentage points below the 7.3% national average for refi-eligible borrowers. North Dakota refi borrowers should confirm the new lender will file the lien through the DOT's electronic system; mail-in lien filings still take 10-14 business days in this state.

The refinance math for a North Dakota borrower: refinancing a typical $22,000 balance from 9.2% APR down to 6.8% APR saves about $25/month and roughly $1,175 over a 48-month remaining term. North Dakota motor vehicle excise tax is a flat 5%. Refi closings don't trigger a fresh sales-tax payment in most states — the original tax-paid status carries over to the new lien-holder.

Below we compare North Dakota-eligible refi lenders side-by-side — APR ranges, minimum credit floors, payoff caps, and term flexibility. Every lender in the table runs a soft credit pull at the pre-qualification stage, so checking your real ND refi APR with each takes about 2 minutes per lender and has zero impact on your credit score until you accept a final offer.

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.

Audited rubric — 100% weight publishedRead →

Rates as of Jun 30, 2026

Refinance lenders for North Dakota drivers.

National refi lenders, soft pull, no spam. Compare side-by-side and pick the one that beats your current rate.

Comparing 12 audited refi lenders· Rates verified Jun 30

Data last reviewed Jun 30, 2026. Source: CarSavr editorial methodology.

How we score

All 10 reviewed within 7 daysYour current APR%

Sort:

Lender		Est. payment	Savings vs current		Loan amount	Loan length
1 Editor's pick	4.99–17.99% Total int. ~$3,300 · $25k · 60mo	$566/mo $30k · 60mo	Save $71/mo $4,260 over 60mo	560+	$5K–$100K	24–96 mo	Reviewed today	≈2 min · Soft pullAffiliate offer
2 Caribou Best for subprime refi	5.49–17.99% Total int. ~$3,645 · $25k · 60mo	$573/mo $30k · 60mo	Save $64/mo $3,840 over 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	$573/mo $30k · 60mo	Save $64/mo $3,840 over 60mo	580+	$8K–$250K	24–96 mo	Reviewed today
LightStream Best for prime refi	6.49–13.74% Total int. ~$4,342 · $25k · 60mo	$587/mo $30k · 60mo	Save $50/mo $3,000 over 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	$572/mo $30k · 60mo	Save $65/mo $3,900 over 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	$569/mo $30k · 60mo	Save $68/mo $4,080 over 60mo	610+	$500–$150K	36–84 mo	Reviewed today
LendingClub No prepayment penalty · 660+ FICO refi	5.74–24.99% Total int. ~$3,818 · $25k · 60mo	$576/mo $30k · 60mo	Save $61/mo $3,660 over 60mo	660+	$5K–$55K	24–72 mo	Reviewed today
Auto Approve Refi-only · 30+ lender network · 525 FICO floor	5.99–22.49% Total int. ~$3,992 · $25k · 60mo	$580/mo $30k · 60mo	Save $57/mo $3,420 over 60mo	525+	$8K–$150K	24–96 mo	Reviewed today
RefiJet Refi-only · military-friendly · A+ BBB	5.49–19.99% Total int. ~$3,645 · $25k · 60mo	$573/mo $30k · 60mo	Save $64/mo $3,840 over 60mo	560+	$8K–$150K	24–84 mo	Reviewed today
iLending Refi-only · 24-48 hour turnaround · 20 yr in market	5.29–19.49% Total int. ~$3,507 · $25k · 60mo	$570/mo $30k · 60mo	Save $67/mo $4,020 over 60mo	580+	$10K–$150K	24–84 mo	Reviewed today

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.

Best of 2026

See the best auto refinance lenders for 2026.

Hand-reviewed refinance lenders · sorted by lowest APR · independent editorial.

See the full ranking

Frequently asked questions

North Dakota refinance FAQ

ND Purchase Loans

Buying a car in North Dakota? 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 North Dakota's purchase-loan shortlist to pre-qualify before you visit the dealer.

See ND purchase loans

Refinance by State

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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.