Runs in your browser · Last updated 5 September 2026
Auto Loan Refinance Calculator (US)
Free US auto loan refinance calculator. Compare leftover balance, new APR, and fees. Monthly savings and break-even in your browser — nothing is uploaded.
Enter the offer you already have. This tab does not pull dealer or bank rates and does not send your VIN anywhere.
Current monthly
$591.00
New monthly
$551.60
Monthly difference
$39.40
Interest saved after fees
$1,419
Total leftover (current)
$21,276
Total leftover (new)
$19,858
Fee break-even
Immediate
How to use this tool
- Enter the current balance, APR, and months left.
- Enter the new APR, new term, and any financed fees.
- Read monthly change, interest saved, and fee break-even.
Worked example
$18,000 left at 11.2% with 36 months versus 6.49% for 36 months: the payment drops and interest saved is a few hundred dollars. Add a $400 fee and break-even is a handful of months if the payment still falls. Staying on the current note with extra principal is the auto extra-payment calculator.
Frequently asked questions
- Does this pull lender rates?
- No. Enter the offer you already have. Nothing is sent to a dealer, bank, or marketplace.
- Should I extend the term?
- A longer term can lower the payment and raise total interest. Compare interest saved and total leftover, not only the monthly number.
- Fees?
- Title, doc, or origination fees are added to the new balance when you enter them. Break-even is fees ÷ monthly savings.
- Negative equity?
- If you owe more than the car is worth, a refinance may still quote. This page does not check LTV or a payoff letter.
- Uploaded?
- No.