{"id":572,"date":"2019-09-19T08:13:36","date_gmt":"2019-09-19T18:13:36","guid":{"rendered":"https:\/\/honestcarpayment.com\/?page_id=572"},"modified":"2022-07-26T08:14:14","modified_gmt":"2022-07-26T18:14:14","slug":"auto-loan-refinance","status":"publish","type":"page","link":"https:\/\/honestcarpayment.com\/auto-loan-refinance\/","title":{"rendered":"Auto Loan Refinance Overview"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; fullwidth=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_fullwidth_header title=&#8221;AUTO LOAN REFINANCE&#8221; subhead=&#8221;Explore our refinancing options to save you money on your monthly car payment!&#8221; button_one_text=&#8221;Learn More&#8221; button_one_url=&#8221;#down&#8221; background_overlay_color=&#8221;rgba(0,0,0,0.31)&#8221; _builder_version=&#8221;4.17.6&#8243; title_font=&#8221;|700|||||||&#8221; title_font_size=&#8221;52px&#8221; title_line_height=&#8221;1.2em&#8221; content_font=&#8221;||||||||&#8221; subhead_font=&#8221;|600|||||||&#8221; subhead_font_size=&#8221;26px&#8221; subhead_line_height=&#8221;1.2em&#8221; background_color=&#8221;rgba(255,255,255,0)&#8221; background_image=&#8221;https:\/\/honestcarpayment.com\/wp-content\/uploads\/2019\/12\/auto-refinance.jpg&#8221; custom_button_one=&#8221;on&#8221; button_one_text_size=&#8221;24px&#8221; button_one_font=&#8221;||||||||&#8221; button_one_icon=&#8221;&#x33;||divi||400&#8243; button_one_on_hover=&#8221;off&#8221; custom_padding=&#8221;150px||150px||true|false&#8221; custom_padding_tablet=&#8221;100px||100px||true&#8221; custom_padding_phone=&#8221;50px||50px||true&#8221; custom_padding_last_edited=&#8221;on|desktop&#8221; hover_enabled=&#8221;0&#8243; title_font_size_tablet=&#8221;40px&#8221; title_font_size_phone=&#8221;32px&#8221; title_font_size_last_edited=&#8221;on|phone&#8221; subhead_font_size_tablet=&#8221;21px&#8221; subhead_font_size_phone=&#8221;18px&#8221; subhead_font_size_last_edited=&#8221;on|phone&#8221; title_text_shadow_style=&#8221;preset2&#8243; subhead_text_shadow_style=&#8221;preset3&#8243; text_shadow_style=&#8221;preset3&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;][\/et_pb_fullwidth_header][et_pb_fullwidth_code _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<script type=\"application\/ld+json\"><!-- [et_pb_line_break_holder] -->{<!-- [et_pb_line_break_holder] -->\t\"@context\": \"https:\/\/schema.org\",<!-- [et_pb_line_break_holder] -->\t\"@type\": \"Service\",<!-- [et_pb_line_break_holder] -->\t\"serviceType\": \"Auto Loan Refinance\",<!-- [et_pb_line_break_holder] -->\t\"areaServed\": [<!-- [et_pb_line_break_holder] -->\t\t\t\"https:\/\/en.wikipedia.org\/wiki\/United_States\",<!-- [et_pb_line_break_holder] -->\t\t\t\"https:\/\/en.wikipedia.org\/wiki\/Hawaii\"<!-- [et_pb_line_break_holder] -->\t\t],<!-- [et_pb_line_break_holder] -->\t\"provider\": {<!-- [et_pb_line_break_holder] -->\t\t\"@type\": \"Organization\",<!-- [et_pb_line_break_holder] -->\t\t\"name\": \"Honest Car Payment\",<!-- [et_pb_line_break_holder] -->\t\t\"@id\": \"https:\/\/honestcarpayment.com\/\"<!-- [et_pb_line_break_holder] -->\t},<!-- [et_pb_line_break_holder] -->\t\"availableChannel\": {<!-- [et_pb_line_break_holder] -->\t\t\"@type\": \"ServiceChannel\",<!-- [et_pb_line_break_holder] -->\t\t\"serviceUrl\": \"https:\/\/honestcarpayment.com\/auto-loan-refinance\/\",<!-- [et_pb_line_break_holder] -->\t\t\"servicePhone\": {<!-- [et_pb_line_break_holder] -->\t\t\t\"@type\": \"ContactPoint\",<!-- [et_pb_line_break_holder] -->\t\t\t\"telephone\": \"+1(808) 534-1234\",<!-- [et_pb_line_break_holder] -->\t\t\t\"name\": \"Honest Car Payment Contact Point\",<!-- [et_pb_line_break_holder] -->\t\t\t\"description\": \"Contact phone number for Honest Car Payment\",<!-- [et_pb_line_break_holder] -->\t\t\t\"contactType\": \"customer service or sales\",<!-- [et_pb_line_break_holder] -->\t\t\t\"availableLanguage\": \"https:\/\/en.wikipedia.org\/wiki\/English_language\",<!-- [et_pb_line_break_holder] -->\t\t\t\"areaServed\": [<!-- [et_pb_line_break_holder] -->\t\t\t\"https:\/\/en.wikipedia.org\/wiki\/United_States\",<!-- [et_pb_line_break_holder] -->\t\t\t\"https:\/\/en.wikipedia.org\/wiki\/Hawaii\"<!-- [et_pb_line_break_holder] -->\t\t],<!-- [et_pb_line_break_holder] -->\t\t\t\"@id\": \"https:\/\/honestcarpayment.com\/contact\/\"<!-- [et_pb_line_break_holder] -->\t\t},<!-- [et_pb_line_break_holder] -->\t\t\"name\": \"Honest Car Payment Services\",<!-- [et_pb_line_break_holder] -->\t\t\"description\": \"Contact Honest Car Payment for services by phone or contact form. \",<!-- [et_pb_line_break_holder] -->\t\t\"@id\": \"https:\/\/honestcarpayment.com\/auto-loan-refinance\/\"<!-- [et_pb_line_break_holder] -->\t},<!-- [et_pb_line_break_holder] -->\t\"description\": \"Auto loans are designed to help you spread out the major upfront cost of a new or used vehicle into comfortable monthly payments. But what can you do when even that monthly payment amount is too high for your budget? Refinancing is available for auto loans just like it is for mortgages, student loans, and other forms of debt. You may feel stuck with a big monthly payment or a high-interest rate, but options are available to find you loan terms that are a better fit for you and your family. Honest Car Payment is here to help! We\u2019ll refinance your auto loan through our fast, easy, and secure process. Choosing to refinance your loan rate has many benefits. By setting up new terms, you can shrink those big monthly payments into something more budget-friendly. You can also create a faster payoff schedule to eliminate one more monthly payment to remember. By negotiating you a lower interest rate, you could save hundreds or even thousands of dollars over the life of your vehicle.\",<!-- [et_pb_line_break_holder] -->\t\"image\": {<!-- [et_pb_line_break_holder] -->\t\t\t\"@type\": \"ImageObject\",<!-- [et_pb_line_break_holder] -->\t\t\t\"width\": \"1900\",<!-- [et_pb_line_break_holder] -->\t\t\t\"url\": \"https:\/\/honestcarpayment.com\/wp-content\/uploads\/2019\/12\/auto-refinance.jpg\",<!-- [et_pb_line_break_holder] -->\t\t\t\"height\": \"1074\",<!-- [et_pb_line_break_holder] -->\t\t\t\"@id\": \"https:\/\/honestcarpayment.com\/wp-content\/uploads\/2019\/12\/auto-refinance.jpg\"<!-- [et_pb_line_break_holder] -->\t\t},<!-- [et_pb_line_break_holder] -->\t\"name\": \"Honest Car Payment Auto Loan Refinance Services\",<!-- [et_pb_line_break_holder] --> \"hasOfferCatalog\": {<!-- [et_pb_line_break_holder] -->    \"@type\": \"OfferCatalog\",<!-- [et_pb_line_break_holder] -->    \"name\": \"Auto Loan Refinance Services\",<!-- [et_pb_line_break_holder] -->    \"itemListElement\": [<!-- [et_pb_line_break_holder] -->          {<!-- [et_pb_line_break_holder] -->            \"@type\": \"Offer\",<!-- [et_pb_line_break_holder] -->            \"itemOffered\": {<!-- [et_pb_line_break_holder] -->              \"@type\": \"Service\",<!-- [et_pb_line_break_holder] -->              \"name\": \"Traditional Auto Refinancing\",<!-- [et_pb_line_break_holder] -->\t\"description\": \"Replace your current high-interest, long-term, or high monthly payment terms with a new auto loan that\u2019s friendlier to your lifestyle. We pay off and close out your old auto loan and set up a new one with a lender offering you better terms.\"<!-- [et_pb_line_break_holder] -->            }<!-- [et_pb_line_break_holder] -->          },<!-- [et_pb_line_break_holder] -->          {<!-- [et_pb_line_break_holder] -->            \"@type\": \"Offer\",<!-- [et_pb_line_break_holder] -->            \"itemOffered\": {<!-- [et_pb_line_break_holder] -->              \"@type\": \"Service\",<!-- [et_pb_line_break_holder] -->              \"name\": \"Cash Back Refinancing\",<!-- [et_pb_line_break_holder] -->\t\"description\": \"Need to make a big purchase while you\u2019re already in the process of refinancing? A cash back refinance arrangement not only saves you money on one convenient monthly payment but also gets you cash in hand to pay for unexpected expenses like car repairs (or a family vacation).\"<!-- [et_pb_line_break_holder] -->            }<!-- [et_pb_line_break_holder] -->          },<!-- [et_pb_line_break_holder] -->          {<!-- [et_pb_line_break_holder] -->            \"@type\": \"Offer\",<!-- [et_pb_line_break_holder] -->            \"itemOffered\": {<!-- [et_pb_line_break_holder] -->              \"@type\": \"Service\",<!-- [et_pb_line_break_holder] -->              \"name\": \"Auto Lease Buyouts\",<!-- [et_pb_line_break_holder] -->\t\"description\": \"When you love your leased car so much you don\u2019t want to give it up at the end of your lease, we can help. We\u2019ll finance the purchase option price of your auto lease so you can keep driving the same car without worrying about a big out-of-pocket expense.\"<!-- [et_pb_line_break_holder] -->            }<!-- [et_pb_line_break_holder] -->          }<!-- [et_pb_line_break_holder] -->        ]<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->    }  <!-- [et_pb_line_break_holder] --><\/script>[\/et_pb_fullwidth_code][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; module_id=&#8221;down&#8221; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;||0px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Auto Refinance Overview<\/h2>\n<p>Auto loans are designed to help you spread out the major upfront cost of a new or used vehicle into comfortable monthly payments. But what can you do when even that monthly payment amount is too high for your budget? Refinancing is available for auto loans just like it is for mortgages, student loans, and other forms of debt.<\/p>\n<p>You may feel stuck with a big monthly payment or a high-interest rate, but options are available to find you loan terms that are a better fit for you and your family. <a href=\"\/about-us\/\">Honest Car Payment<\/a> is here to help! We\u2019ll refinance your auto loan through our fast, easy, and secure process.<\/p>\n<p>Choosing to refinance your loan rate has many benefits. By setting up new terms, you can shrink those big monthly payments into something more budget-friendly. You can also create a faster payoff schedule to eliminate one more monthly payment to remember. By negotiating you a lower interest rate, you could save hundreds or even thousands of dollars over the life of your vehicle.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Explore our Auto Refinance Options<\/h2>\n<p>Here at Honest Car Payment, we know that one size never really fits all. That\u2019s why we offer three different ways to refinance your auto loan, so you can pick the method that is perfect for you!<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;||23px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Traditional Auto Refinancing&#8221; image=&#8221;https:\/\/honestcarpayment.com\/wp-content\/uploads\/2019\/12\/contract.png&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Replace your current high-interest, long-term, or high monthly payment terms with a new auto loan that\u2019s friendlier to your lifestyle. We pay off and close out your old auto loan and set up a new one with a lender offering you better terms.<\/p>\n<p>[\/et_pb_blurb][et_pb_button button_url=&#8221;\/auto-loan-refinance\/traditional-refinancing\/&#8221; button_text=&#8221;Traditional&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.16&#8243; custom_button=&#8221;on&#8221; button_bg_color=&#8221;#e09900&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Cash Back Refinancing&#8221; image=&#8221;https:\/\/honestcarpayment.com\/wp-content\/uploads\/2019\/12\/cash.png&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Need to make a big purchase while you\u2019re already in the process of refinancing? A cash back refinance arrangement not only saves you money on one convenient monthly payment but also gets you cash in hand to pay for unexpected expenses like car repairs (or a family vacation).<\/p>\n<p>[\/et_pb_blurb][et_pb_button button_url=&#8221;\/auto-loan-refinance\/cash-back-refinance\/&#8221; button_text=&#8221;Cash Back&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.16&#8243; custom_button=&#8221;on&#8221; button_bg_color=&#8221;#e09900&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Auto Lease Buyouts&#8221; image=&#8221;https:\/\/honestcarpayment.com\/wp-content\/uploads\/2019\/12\/car.png&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>When you love your leased car so much you don\u2019t want to give it up at the end of your lease, we can help. We\u2019ll finance the purchase option price of your auto lease so you can keep driving the same car without worrying about a big out-of-pocket expense.<\/p>\n<p>[\/et_pb_blurb][et_pb_button button_url=&#8221;\/auto-loan-refinance\/auto-lease-buyout-loans\/&#8221; button_text=&#8221;Lease Buyouts&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.16&#8243; custom_button=&#8221;on&#8221; button_bg_color=&#8221;#e09900&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.16&#8243; width=&#8221;100%&#8221; max_width=&#8221;100%&#8221; custom_padding=&#8221;45px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_cta title=&#8221;Ready to Save Money Today?&#8221; button_url=&#8221;https:\/\/www.routeone.net\/XRD\/xrdStart.do?dealerId=BA4MI&#8221; url_new_window=&#8221;on&#8221; button_text=&#8221;LET&#8217;S GET STARTED&#8221; admin_label=&#8221;CTA &#8211; Ready to Save Money Today?&#8221; _builder_version=&#8221;4.16&#8243; header_font=&#8221;||||||||&#8221; body_font=&#8221;||||||||&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;20px&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;#e09900&#8243; button_font=&#8221;||||||||&#8221; button_icon=&#8221;&#x35;||divi||400&#8243; width=&#8221;100%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;70px|20%|70px|20%|true|true&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Fill out the brief application about your current auto loan, your vehicle, and any auto warranties. Submitting the application will not impact your credit score.<\/span><\/p>\n<p>[\/et_pb_cta][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>About the Auto Loan Refinancing Process<\/h2>\n<p>We believe that the auto loan refinance process should be as easy as it was when you first bought your car. The first step in the process is to <a href=\"https:\/\/honestcarpayment.com\/getpreapproved\">fill out our quick informational form<\/a>. Once we\u2019ve received your details, we\u2019ll reach out to you to gather more information like:<\/p>\n<ul style=\"padding-left: 50px;\">\n<li>Your original finance contract<\/li>\n<li>Your current vehicle registration information<\/li>\n<li>An accurate odometer reading for the vehicle being refinanced.<\/li>\n<\/ul>\n<p>Having this information already on hand will make the process go faster, but you can also request the contract after we contact you if that\u2019s easier. Once we have your financing details, we\u2019ll pour over the contracts to find overcharges and other items unfairly added to your loan.<\/p>\n<p>We\u2019ll fight to secure a refund on any unnecessary charges and pass those savings on to you. After we\u2019ve verified the details of your current loan, we\u2019ll shop around on your behalf to find a new lender offering a lower interest rate. <a href=\"\/about-us\/\">Our team<\/a> doesn\u2019t rest until we\u2019re sure we\u2019ve found the lowest interest rate available for your refinanced auto loan.<\/p>\n<p>Unlike car dealers, we don\u2019t add a hefty markup to the loan rate just to turn a profit. If we find a lender offering a bonus for participating with them, we pass those savings onto you! You\u2019re kept in the loop during every stage of this process. You never have to wonder how much we\u2019re making or if a better rate is available because of our dedication to transparency.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;\/auto-refinance-101\/&#8221; button_text=&#8221;Auto Refinance 101&#8243; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.16&#8243; custom_button=&#8221;on&#8221; button_bg_color=&#8221;#e09900&#8243; button_font=&#8221;||||||||&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#f4f4f4&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_code _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<script type=\"application\/ld+json\"><!-- [et_pb_line_break_holder] -->{<!-- [et_pb_line_break_holder] -->  \"@context\": \"https:\/\/schema.org\",<!-- [et_pb_line_break_holder] -->  \"@type\": \"FAQPage\",<!-- [et_pb_line_break_holder] -->  \"mainEntity\": {<!-- [et_pb_line_break_holder] -->    \"@type\": \"Question\",<!-- [et_pb_line_break_holder] -->    \"name\": \"Can I refinance my auto loan with poor credit?\",<!-- [et_pb_line_break_holder] -->    \"acceptedAnswer\": {<!-- [et_pb_line_break_holder] -->      \"@type\": \"Answer\",<!-- [et_pb_line_break_holder] -->      \"text\": \"Don\u2019t assume that a bad credit score or lack of credit history will disqualify you from refinancing your auto loan. We work with borrowers of all income levels and credit backgrounds. If your credit has improved even a little since you first took out your auto loan, you likely qualify for a much better interest rate and lower monthly payments now. Let us work on your behalf to refinance your car loan and secure the best rates available for you regardless of your current or past financial situation.\"<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><\/script>[\/et_pb_code][et_pb_text _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Can I Refinance my Auto Loan with Poor Credit?<\/h3>\n<p>Don\u2019t assume that a bad credit score or lack of credit history will disqualify you from refinancing your auto loan. We work with borrowers of all income levels and credit backgrounds. If your credit has improved even a little since you first took out your auto loan, you likely qualify for a much better interest rate and lower monthly payments now. Let us work on your behalf to refinance your car loan and secure the best rates available for you regardless of your current or past financial situation.[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/honestcarpayment.com\/getpreapproved&#8221; url_new_window=&#8221;on&#8221; button_text=&#8221;Get Pre Qualified&#8221; _builder_version=&#8221;4.16&#8243; custom_button=&#8221;on&#8221; button_bg_color=&#8221;#e09900&#8243; button_font=&#8221;||||||||&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2><span style=\"font-weight: 400;\">Why Choose Honest Car Payment to Refinance Your Auto Loan<\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;3_5,2_5&#8243; _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>No one in the auto refinancing industry works as hard as Honest Car Payment for their borrowers. Our loyalty is to YOU the customer \u2013 not the dealerships, not the banks. We take every case to heart and go above and beyond to find loan deals that other refinancing companies overlook. We don\u2019t markup loans or charge hidden fees. Our commitment to transparency means everything \u2013 your new terms, interest rates, and even our profits are all disclosed in the contract!<\/p>\n<p>Unlike other companies that only focus on specific makes and models, we offer auto refinance options for cars, trucks, SUVs, and even RVs and campers! We work with hundreds of different lenders and financial institutions so we can offer a wide range of options for all borrowers.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_image src=&#8221;https:\/\/honestcarpayment.com\/wp-content\/uploads\/2019\/12\/happy-family.jpg&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#023299&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_cta title=&#8221;Talk With an Auto Refinance Specialist Today&#8221; button_url=&#8221;https:\/\/www.routeone.net\/XRD\/xrdStart.do?dealerId=BA4MI&#8221; button_text=&#8221;Start Application&#8221; _builder_version=&#8221;4.16&#8243; custom_button=&#8221;on&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;#e09900&#8243; button_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Don\u2019t settle for your current high monthly payment, options for refinancing are available! <\/span><a href=\"https:\/\/honestcarpayment.com\/contact\/\"><span>Get in touch with a specialist<\/span><\/a><span> for more information or give us a call at <a href=\"tel:8085341234\">(808) 534-1234<\/a> to get answers to any questions you might have. If you\u2019re ready to get started, <\/span><span>fill out our loan application<\/span><span> today.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_cta][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Section &#8211; Light Grey Background&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#f4f4f4&#8243; custom_margin=&#8221;||-2px|||&#8221; custom_padding=&#8221;60px||50px|||&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row admin_label=&#8221;Row &#8211; REVIEWS&#8221; _builder_version=&#8221;4.16&#8243; custom_margin=&#8221;0px|auto||auto||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Reviews &#8230;.&#8221; _builder_version=&#8221;4.16&#8243; text_font=&#8221;||||||||&#8221; text_font_size=&#8221;21px&#8221; text_line_height=&#8221;1.5em&#8221; header_font=&#8221;||||||||&#8221; header_2_font=&#8221;|800||on|||||&#8221; text_orientation=&#8221;center&#8221; width=&#8221;64%&#8221; width_tablet=&#8221;100%&#8221; width_phone=&#8221;&#8221; width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;0px||29px|||&#8221; text_text_align=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 style=\"text-align: center;\">Reviews<\/h2>\n<p style=\"text-align: center;\">Here are a few examples of what customers had to say about working with us.<\/p>\n<p>[\/et_pb_text][et_pb_code _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div data-token=\"7Ygy5bHM5qousLjvqofGkZmE788RLF60QOjAliA98fkPQy10Gg\" class=\"romw-reviews\"><\/div>\n<p><!-- [et_pb_line_break_holder] --><script src=\"https:\/\/reviewsonmywebsite.com\/js\/embedLoader.js?id=16985fd9e429040ba7c6\" type=\"text\/javascript\"><\/script><!-- [et_pb_line_break_holder] -->[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Auto Refinance Overview Auto loans are designed to help you spread out the major upfront cost of a new or used vehicle into comfortable monthly payments. But what can you do when even that monthly payment amount is too high for your budget? Refinancing is available for auto loans just like it is for mortgages, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"<p><span style=\"font-weight: 400;\">Auto loans are designed to help you spread out the major upfront cost of a new or used vehicle into comfortable monthly payments. But what can you do when even that monthly payment amount is too high for your budget? Refinancing is available for auto loans just like it is for mortgages, student loans, and other forms of debt.<\/span><\/p><p><span style=\"font-weight: 400;\">You may feel stuck with a big monthly payment or a high-interest rate, but options are available to find you loan terms that are a better fit for you and your family. Honest Car Payment is here to help! We\u2019ll refinance your auto loan through our fast, easy, and secure process.<\/span><\/p><p><span style=\"font-weight: 400;\">Choosing to refinance your loan rate has many benefits. By setting up new terms, you can shrink those big monthly payments into something more budget-friendly. You can also create a faster payoff schedule to eliminate one more monthly payment to remember. By negotiating you a lower interest rate, you could save you hundreds or even thousands of dollars over the life of your vehicle.<\/span><\/p><p>\u00a0<\/p><h2><span style=\"font-weight: 400;\">Explore our Auto Refinance Options<\/span><\/h2><p><span style=\"font-weight: 400;\">Here at Honest Car Payment, we know that one size never really fits all. That\u2019s why we offer three different ways to refinance your auto loan, so you can pick the method that is perfect for you!<\/span><\/p><ul><li style=\"font-weight: 400;\"><b>Traditional Auto Refinancing<\/b><span style=\"font-weight: 400;\">: Replace your current high-interest, long-term, or high monthly payment terms with a new auto loan that\u2019s friendlier to your lifestyle. We pay off and close out your old auto loan and set up a new one with a lender offering you better terms.<\/span><\/li><li style=\"font-weight: 400;\"><b>Cash Back Refinancing<\/b><span style=\"font-weight: 400;\">: Need to make a big purchase while you\u2019re already in the process of refinancing? A cash back refinance arrangement not only saves you money on one convenient monthly payment but also gets you cash in hand to pay for unexpected expenses like car repairs (or a family vacation).<\/span><\/li><li style=\"font-weight: 400;\"><b>Auto Lease Buyouts<\/b><span style=\"font-weight: 400;\">: When you love your leased car so much you don\u2019t want to give it up at the end of your lease, we can help. We\u2019ll finance the purchase option price of your auto lease so you can keep driving the same car without worrying about a big out-of-pocket expense.<\/span><\/li><\/ul><h2>\u00a0<\/h2><h2><span style=\"font-weight: 400;\">About the Auto Loan Refinancing Process<\/span><\/h2><p><span style=\"font-weight: 400;\">We believe that the auto loan refinance process should be as easy as it was when you first bought your car. The first step in the process is to <\/span><a href=\"https:\/\/www.700dealer.com\/QuickQualify\/6b965ca508a3488f898c8b100d7ec886-2018105\"><span style=\"font-weight: 400;\">fill out our quick informational form<\/span><\/a><span style=\"font-weight: 400;\">. Once we\u2019ve received your details, we\u2019ll reach out to you to gather more information like:<\/span><\/p><ul><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Your original finance contract<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Your current vehicle registration information<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">An accurate odometer reading for the vehicle being refinanced.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Having this information already on hand will make the process go faster, but you can also request the contract after we contact you if that\u2019s easier. Once we have your financing details, we\u2019ll pour over the contracts to find overcharges and other items unfairly added to your loan.<\/span><\/p><p><span style=\"font-weight: 400;\">We\u2019ll fight to secure a refund on any unnecessary charges and pass those savings on to you. After we\u2019ve verified the details of your current loan, we\u2019ll shop around on your behalf to find a new lender offering a lower interest rate. Our team doesn\u2019t rest until we\u2019re sure we\u2019ve found the lowest interest rate available for your refinanced auto loan.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Unlike car dealers, we don\u2019t add a hefty markup to the loan rate just to turn a profit. If we find a lender offering a bonus for participating with them, we pass those savings onto you! You\u2019re kept in the loop during every stage of this process. You never have to wonder how much we\u2019re making or if a better rate is available because of our dedication to transparency.<\/span><\/p><p>\u00a0<\/p><h3><span style=\"font-weight: 400;\">Can I Refinance my Auto Loan with Poor Credit?<\/span><\/h3><p><span style=\"font-weight: 400;\">Don\u2019t assume that a bad credit score or lack of credit history will disqualify you from refinancing your auto loan. We work with borrowers of all income levels and credit backgrounds. If your credit has improved even a little since you first took out your auto loan, you likely qualify for a much better interest rate and lower monthly payments now. Let us work on your behalf to refinance your car loan and secure the best rates available for you regardless of your current or past financial situation.<\/span><\/p><p>\u00a0<\/p><h2><span style=\"font-weight: 400;\">Why Choose Honest Car Payment to Refinance Your Auto Loan<\/span><\/h2><p><span style=\"font-weight: 400;\">No one in the auto refinancing industry works as hard as Honest Car Payment for their borrowers. Our loyalty is to YOU the customer \u2013 not the dealerships, not the banks. We take every case to heart and go above and beyond to find loan deals that other refinancing companies overlook. We don\u2019t markup loans or charge hidden fees. Our commitment to transparency means everything \u2013 your new terms, interest rates, and even our profits are all disclosed in the contract!<\/span><\/p><p><span style=\"font-weight: 400;\">Unlike other companies that only focus on specific makes and models, we offer auto refinance options for cars, trucks, SUVs, and even RVs and campers! We work with hundreds of different lenders and financial institutions so we can offer a wide range of options for all borrowers.<\/span><\/p><p>\u00a0<\/p><h2><span style=\"font-weight: 400;\">Talk With an Auto Refinance Specialist Today<\/span><\/h2><p><span style=\"font-weight: 400;\">Don\u2019t settle for your current high monthly payment, options for refinancing are available! <\/span><a href=\"https:\/\/honestcarpayment.com\/contact\/\"><span style=\"font-weight: 400;\">Get in touch with a specialist<\/span><\/a><span style=\"font-weight: 400;\"> for more information or give us a call at <a href=\"tel:8085341234\">(808) 534-1234<\/a> to get answers to any questions you might have. If you\u2019re ready to get started, <\/span><a href=\"https:\/\/www.routeone.net\/XRD\/xrdStart.do?dealerId=BA4MI\"><span style=\"font-weight: 400;\">fill out our loan application<\/span><\/a><span style=\"font-weight: 400;\"> today.<\/span><\/p><p>\u00a0<\/p>","_et_gb_content_width":"","footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Auto Loan Refinance to Lower Your Monthly Payment | Honest Car Payment<\/title>\n<meta name=\"description\" content=\"Stuck with a high car payment? 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Honest Car Payment specializes in auto loan refinance to lower your monthly payment and find you the best loan terms possible.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/honestcarpayment.com\/auto-loan-refinance\/\" \/>\n<meta property=\"og:site_name\" content=\"Honest Car Payment\" \/>\n<meta property=\"article:modified_time\" content=\"2022-07-26T18:14:14+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"11 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/honestcarpayment.com\/auto-loan-refinance\/\",\"url\":\"https:\/\/honestcarpayment.com\/auto-loan-refinance\/\",\"name\":\"Auto Loan Refinance to Lower Your Monthly Payment | Honest Car Payment\",\"isPartOf\":{\"@id\":\"https:\/\/honestcarpayment.com\/#website\"},\"datePublished\":\"2019-09-19T18:13:36+00:00\",\"dateModified\":\"2022-07-26T18:14:14+00:00\",\"description\":\"Stuck with a high car payment? 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