Your credit has improved
A higher score since you bought your car can qualify you for a noticeably lower rate on the same vehicle.
- Paid down cards or other debt
- A year or more of on-time payments
Avg. $105/mo anticipated customer savings
Lower your car payment, without the hassle.
Compare refinance offers from trusted credit union and national lending partners. See your rate with no impact to your credit score, then let our team handle the payoff and title work.
Received a mailer? Enter your customer ID
No hidden fees
Soft credit check only
We handle the title
Your refinance snapshot
Offer ready
Current payment
$548/mo
11.9% APR · 60 mo
New payment
$443/mo
6.4% APR · 60 mo
Estimated yearly savings
$1,260
Cumulative savingsYear 1
$105
Anticipated avg. monthly savings
$1,250
Potential savings per year*
3 steps
Apply, choose, sign & drive
0 risk
To check your options
How it works
Refinancing in three simple steps
No dealership visits, no haggling. Start online or on the phone and we'll guide you the rest of the way.
01
Apply
Answer a few quick questions online or give us a call. Checking your rate uses a soft inquiry only.
02
Choose your savings
Compare offers side by side and pick the rate and term that fit your budget and goals.
03
Sign & drive
E-sign your documents. We coordinate the payoff of your old loan and update your title.
Is it time to refinance?
Your car loan shouldn't stay stuck where it started
If any of these sound familiar, there's a good chance a better rate is waiting for you. Checking takes minutes and won't touch your credit score.
You took dealer financing
Dealer-arranged loans often carry a markup. Refinancing lets you shop the rate on your terms, after the fact.
- Signed quickly at the dealership
- Never compared other offers
Your payment feels too high
Restructure your loan to free up room in your monthly budget, or pay it off sooner and save on interest.
- Lower your monthly payment
- Or shorten your term and save
We handle the paperwork
Once you pick your offer, our loan specialists take care of the rest.
- New loanSecured with a trusted lending partner
- Old loan payoffWe pay your current lender directly
- Title updateLien transferred, no DMV trip
Savings calculator
See what you could save in seconds
Slide in your current loan details and a target rate. Your estimate updates as you go.
Current loan
New loan
Estimated monthly savings
$0
$0 per year
New payment$0
Interest saved$0
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| Total payments | |||
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Disclaimer: Calculator estimates are for educational purposes only. Savings are not guaranteed. Figures shown are not representative of actual auto loan refinance rates, terms or offers. Extending your loan term may impact your overall savings.
Why refinance
Rates move. Your payment should too.
If rates have dropped or your credit has improved since you bought your car, refinancing can free up cash every month and strengthen your overall financial health.
- Higher monthly savings
- Pay off your loan faster
- Restructure your loan
- Keep your vehicle longer
No hidden fees
Transparent, upfront pricing with no surprise fees to throw off your budget.
Competitive offers
Trusted local credit unions and national lenders compete for your loan.
Pre-qualify in minutes
See real offers instantly with no impact to your credit score.*
Dedicated team
Real auto loan agents standing by to answer every question along the way.
Prefer to talk it through?
Our loan agents can check your rate, explain your options, and walk you through every document, all in one call.
Real people, not botsHelp with payoff & titleOnline or by phone
Call a loan agent1-888-803-4990
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Agents available now
FAQ
Questions, answered
Need more detail? Browse our glossary, see the documents needed, or call us anytime.
Will checking my rate hurt my credit? +
No. Checking your rate uses an unscored soft credit inquiry, which does not affect your credit score. If you choose to move forward with an offer, the lender will perform a hard inquiry.
Does LoanShield charge any fees? +
Checking your rate is free and has no impact on your credit score. If you choose to move forward with a loan, LoanShield charges a document fee, which is shown up front with your offer before you sign. Your loan is funded by a third-party lender.
What loan amounts, rates and terms are available? +
Loan amounts range from $10,000 to $250,000, with rates from 2.99% to 19.99% APR and terms from 24 to 96 months. The lowest rates generally require excellent credit.
What documents will I need? +
Typically a driver's license, proof of income, proof of insurance, vehicle registration, and a payoff statement from your current lender. Your agent will confirm exactly what's needed.
Who handles paying off my old loan and the title? +
We do. Once you sign, our team coordinates the payoff with your current lender and handles the title update so you don't have to visit the DMV.
Are you saving the most?
Start saving on your car payment today.
It takes just a few minutes to see your offers, and checking won't affect your credit score.