8 lenders competing for your loan
Your car payment
is too high.
Fix it in 2 minutes.
Answer a few questions and we'll match you with real refinance offers from our lender network. Drivers who refinance save an average of $150/month.
Your score is never affected.
Real match example
Was paying
$612/mo
Now paying
$429/mo
$183 saved every month
2022 Ford F-150 · refinanced at 6.1% APR
$150/mo
average savings
4.8★
network rating
2 min
to see matches
500+
credit scores accepted
The network
8 lenders. One application. Zero guesswork.
We match your profile against every lender below — you only ever see offers you actually qualify for.
Best overall — white-glove service
5.29%
APR from
500
min credit
4.8★
1000+ reviews
Credit-union rates, no membership hoops
5.09%
APR from
600
min credit
4.7★
890+ reviews
Lowest rates for excellent credit
4.99%
APR from
660
min credit
4.6★
640+ reviews
Large balances & luxury vehicles
5.49%
APR from
620
min credit
4.5★
430+ reviews
RVs, boats & powersports
6.50%
APR from
600
min credit
4.5★
260+ reviews
Estimated APRs reflect each lender's typical best rate for well-qualified borrowers and are not offers to lend. RefiMeNow is compensated by network lenders, which may influence placement. Featured status reflects our affiliated lender.
How it works
The lenders compete. You just answer questions.
01
Tell us about your loan
Eight quick questions — vehicle, balance, payment, credit. No SSN, no paperwork, no hard pull.
02
We run the whole network
Your profile is checked against every lender's real criteria. Watch matches lock in live.
03
Pick your offer & save
Compare estimated rates side by side. Your advisor handles paperwork, payoff, and title — most loans fund in days.
Savings calculator
What's your rate really costing you?
If you refinanced at 7.9%
$54/mo
back in your pocket
Payment now
$540
Payment after
$485
Illustration only — 60-month term, typical network rate improvement.
Drivers who stopped overpaying
★★★★★ 4.8 average across 1,000+ network reviews
"Dropped my payment $211 a month on my Silverado. The whole thing took one phone call after the quiz — they even handled the title."
"I assumed my credit was too rough. Matched with two lenders anyway and the advisor found me a rate I didn't think existed."
"Used the cash-out option to knock out a credit card. Same car, lower payment, and $4,300 in our account within the week."
Questions, answered
Will checking my rate hurt my credit score?
No. Matching uses a soft credit inquiry, which never affects your score. A hard inquiry only happens later if you choose an offer and complete a full application with the lender.
How much does RefiMeNow cost?
Nothing — comparing matches is free for you. We're compensated by lenders in our network when a loan funds, which is disclosed throughout the site.
How fast can my loan be refinanced?
Most matched loans fund within 2–5 business days. Our featured partner RefiJet regularly funds in 24–48 hours, and handles the payoff and title transfer for you.
What credit score do I need?
The network covers scores from 500 up. Lower scores match with fewer lenders, but options exist — including programs that report on-time payments to help rebuild credit.
Can I refinance with an older or high-mileage vehicle?
Usually, yes. Several network lenders accept vehicles up to 15 years old or 200,000 miles. The matcher automatically routes you to the ones that say yes.
Can I get cash out of my car's equity?
If your vehicle is worth more than you owe, cash-out refinancing lets you borrow against the difference — often at far lower rates than personal loans or credit cards.