We’ll help lower your monthly car payment, by providing the transparency and choices that you deserve! Want to know more? Learn More




Step 1

Fill out our application and confirm your information.

Step 2

You’ll be contacted within 2 business days with your new loan terms.

Step 3

We will pay off your current loan, and handle all your paperwork.

Ready to Save Money Today?

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Refinance Your Car

It only takes a few minutes for you to submit an application online.

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How It Works

Honest Car Payment will put you in control of your car loan by sourcing hundreds of lending institutions to find the best terms possible.

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About Us

We know that a lower car payment can change the stress level on our families. This is our way of giving back.


Here are a few examples of what customers had to say about working with us.

I was trying to refinance my auto loan for quite some time. I had tried several local credit unions and also mainland banks but didn’t have any luck. At first I thought this is too good to be true but I was wrong! This is legit! Vicky and Mark made the whole refinance process quick and painless! Vicky communicated with me EVERY step of the way and she is an absolute sweetheart. I was able to submit all my documents via email and met with Mark in person to do the signing. Overall the whole experience of refinancing with Honest Car Payment was quick, easy, and TRANSPARENT. I recommend this company to anyone looking to refinance their auto.

– Google Review 41 Rise

Vicky is a god send. Having a high car payment in Hawaii is no fun. She explained the process, was courteous, friendly and most of all honest just like the companies name. She was able to save a local family a significant amount of money. Thank you again for helping us in the most caring and friendly way.. I highly recommend that you reach out to her if you’re in need.

– Google Review

Chanelle Simmons

One day while at Flagship Express, I was approached by the owner who was admiring my Ram Laramie 2014. I told him how I got ripped off from Honolulu GMC and he referred me to Mark Benson over at Honest Car Payment. Since working with Vicky and Mark, I was able to drop my monthly payment nearly $100. They were also able to drop my interest rate from 8% to 4.29%. If you are having some issues with making payments on your used or new vehicle, please consider trying Honest Car Payment. You will not be disappointed!

– Google Review

Kapesi Ativalu Seui

Trusted by thousands of car buyers – over 180 5-star Google ratings.