{"id":764331,"date":"2018-02-28T11:40:41","date_gmt":"2018-02-28T19:40:41","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=764331"},"modified":"2026-03-09T18:37:05","modified_gmt":"2026-03-09T22:37:05","slug":"refinancing","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/car-loans\/refinancing","title":{"rendered":"Refinance a car loan: 8 steps to get better rates &#038; terms"},"content":{"rendered":"<p>Refinancing a car loan can save you money, lower your monthly payments or help you secure better terms. Whether rates have dropped or your financial situation has changed, refinancing could be the key to better managing your car loan.<\/p><div class=\"keyTakeaways\">\n  <div class=\"keyTakeaways__header\">\n          <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"21\" viewbox=\"0 0 32 21\" fill=\"none\">\n  <path d=\"M21.6706 1.15503H0.555176V10.6001C0.555176 15.8165 4.78381 20.0452 10.0002 20.0452C12.2144 20.0452 14.2511 19.2793 15.8604 17.9974L15.9325 18.1084C17.5197 19.3237 19.5119 20.0452 21.6651 20.0452C26.8815 20.0452 31.1101 15.8165 31.1101 10.6001C31.1101 5.38366 26.8815 1.15503 21.6651 1.15503H21.6706Z\" fill=\"white\"><\/path>\n  <path d=\"M25.704 5.12274C25.0325 5.12274 24.4054 5.37801 23.856 5.81641C24.3055 6.16602 24.6052 6.70431 24.6052 7.32029C24.6052 8.37468 23.7506 9.22928 22.6962 9.22928C22.4687 9.22928 22.2578 9.18489 22.0525 9.11275C21.9581 9.58445 21.9082 10.0839 21.9082 10.6C21.9082 13.6244 23.6063 16.0828 25.704 16.0828C27.8017 16.0828 29.4998 13.6299 29.4998 10.6C29.4998 7.57002 27.8017 5.11719 25.704 5.11719V5.12274Z\" fill=\"#232320\"><\/path>\n  <path d=\"M21.6704 0.600098H0V10.6001C0 16.1162 4.48391 20.6001 10 20.6001C12.1754 20.6001 14.1842 19.8953 15.8269 18.7133C17.5361 19.9453 19.5449 20.6001 21.6648 20.6001C27.1809 20.6001 31.6648 16.1162 31.6648 10.6001C31.6648 5.084 27.1809 0.600098 21.6648 0.600098H21.6704ZM1.10988 10.6056V1.71553H10C14.9001 1.71553 18.8901 5.70554 18.8901 10.6056C18.8901 15.5058 14.9001 19.4958 10 19.4958C5.09989 19.4958 1.10988 15.5058 1.10988 10.6056ZM21.6704 19.4958C19.8835 19.4958 18.1909 18.9741 16.7259 17.9863C18.7347 16.155 20.0055 13.5302 20.0055 10.6001C20.0055 6.72662 17.7913 3.36924 14.5616 1.70998H21.6704C26.5705 1.70998 30.5605 5.69999 30.5605 10.6001C30.5605 15.5002 26.5705 19.4902 21.6704 19.4902V19.4958Z\" fill=\"#232320\"><\/path>\n  <path d=\"M14.0404 5.12274C13.3689 5.12274 12.7419 5.37801 12.1925 5.81641C12.642 6.16602 12.9416 6.70431 12.9416 7.32029C12.9416 8.37468 12.087 9.22928 11.0326 9.22928C10.8051 9.22928 10.5942 9.18489 10.3889 9.11275C10.2946 9.58445 10.2446 10.0839 10.2446 10.6C10.2446 13.6244 11.9427 16.0828 14.0404 16.0828C16.1381 16.0828 17.8362 13.6299 17.8362 10.6C17.8362 7.57002 16.1381 5.11719 14.0404 5.11719V5.12274Z\" fill=\"#232320\"><\/path>\n<\/svg>        <h3 data-toc=\"false\">Key takeaways<\/h3>\n  <\/div>\n\n    <ul>\n          <li>You can refinance your car loan in Canada. Refinancing involves replacing your existing auto loan with a new one that has better terms. This process can be beneficial if rates have decreased or your financial situation has improved since you first got a loan.<\/li>\n          <li>However, it\u2019s important to consider factors such as prepayment penalties on your current loan and any fees associated with the new loan.<\/li>\n          <li>Additionally, lenders may have specific criteria for refinancing, including the age and condition of the vehicle.<\/li>\n      <\/ul>\n\n      <div class=\"keyTakeaways__footer\">\n      <div class=\"keyTakeaways__footer-cta-text\">Ready to refinance?<\/div>\n      <a class=\"luna-button luna-button--primary\" href=\"#compare\">Compare car loans<\/a>\n    <\/div>\n  \n  <\/div>\n<h3>8 steps to refinance a car loan in Canada<\/h3><h4>Step 1: Review your current car loan<\/h4><p>Start by gathering all the details of your existing loan, and review the following information:<\/p><ul><li>Monthly payment<\/li><li>Interest rate<\/li><li>Remaining balance<\/li><li>Payoff amount<\/li><li>Loan term<\/li><li>Prepayment penalties<\/li><\/ul><p>While you\u2019re reviewing your loan documents, weigh any fees you\u2019ll be charged for paying off your loan early against potential savings from refinancing an auto loan to make sure it\u2019s worth it. Car loans are usually open in Canada, which means there are no prepayment fees, but it\u2019s best to review your contract first.<\/p><h4>Step 2: Check the value of your car<\/h4><p>Your car\u2019s current value plays a significant role in refinancing eligibility. Use tools like the Canadian Black Book or Autotrader.ca to estimate your vehicle\u2019s worth, considering its make, model, mileage, condition and location. If your car\u2019s value is less than what you owe, refinancing may not be beneficial, and selling the car privately or trading it in could be better alternatives. You can learn more from our guide on <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/sell-used-car\/car-resale-value\">how to estimate the value of your car<\/a>.<\/p><h4>Step 3: Check your credit score and eligibility<\/h4><p>Your credit score and debt-to-income (DTI) ratio impact your refinancing options. Use free tools like Borrowell or Credit Karma to check your credit score. Keep in mind that most lenders require a minimum loan amount (often $5,000 or more) and may have restrictions on older vehicles or those with high mileage (e.g. over 10 years old or 150,000 km). Review the lender\u2019s eligibility criteria to ensure you qualify before applying.<\/p><h4 id=\"compare\">Step 4: Compare car loan refinancing options<\/h4><p>Shop around to find the best rates and terms. Look at credit unions, online lenders and traditional banks in Canada. When comparing loans, consider the interest rate, loan term, fees and how much your monthly payments will change.<\/p><div class=\"content tableWithFilters\n        \n        \n         -table-container\" id=\"comparison-table\" data-section=\"table\">\n    <div class=\"tableWithFilters__tableTop\">\n            <\/div>\n            <div class=\"contentWrapper tableWithFilters__contentWrapper \">\n        <div class=\"tableWithFilters__table content\">\n        <script type=\"text\/javascript\">\nvar getEventToListenTo = () => {\n  if (window.matchMedia('(any-hover:none)').matches) {\n    if (window.matchMedia('(max-width: 450px)').matches) {\n      return \"scroll\";\n    }\n  }\n  return \"DOMContentLoaded\";\n};\nvar eventToWatch = getEventToListenTo();\nconst loadFinderScoreModalcafcl = () => {\n  setTimeout(function(){\n   window.loadOnTheFly.html(\n      'partial', {\n          id: 'finder-score-cafcl-modal-optimized',\n      },\n      function (response) {\n          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{\n    position: absolute;\n    top: 0;\n    left: 0;\n    right: 0;\n    width: 100%;\n    height: 100%;\n    border-radius: 999px;\n    overflow: hidden;\n    pointer-events: none;\n  }\n\n  .rewards-pill__shimmer::after {\n    content: '';\n    position: absolute;\n    top: 0;\n    width: 50%;\n    height: 100%;\n    background: linear-gradient(\n      90deg,\n      transparent 0%,\n      rgba(255, 255, 255, 0.5) 50%,\n      transparent 100%\n    );\n    animation: rewards-pill-shimmer 4s infinite;\n  }\n\n  .rewards-pill__icon {\n    z-index: 2;\n    display: flex;\n    align-items: center;\n    flex-shrink: 0;\n    position: relative;\n  }\n\n  .rewards-pill__icon-svg {\n    width: 48.5px;\n    height: 34.6px;\n    overflow: visible;\n  }\n\n  .rewards-pill__star {\n    position: absolute;\n    z-index: 4;\n    opacity: 0;\n    pointer-events: none;\n    width: 22px;\n    height: 22px;\n    top: 50%;\n    left: 50%;\n    margin-top: -19px;\n    margin-left: -6px;\n    animation: rewards-pill-star-rotate 4s infinite;\n  }\n\n  .rewards-pill__text {\n    font-size: 16px;\n    font-style: italic;\n    font-weight: 900;\n    text-transform: uppercase;\n    letter-spacing: 0px;\n    color: #232320;\n    z-index: 1;\n    line-height: 24px;\n    white-space: nowrap;\n  }\n\n  @keyframes rewards-pill-shimmer {\n    0% {\n      transform: translateX(100%);\n    }\n    20% {\n      transform: translateX(-100%);\n    }\n    100% {\n      transform: translateX(-100%);\n    }\n  }\n\n  @keyframes rewards-pill-star-rotate {\n    0% {\n      opacity: 0;\n      transform: rotate(0deg) scale(0);\n    }\n    5% {\n      opacity: 1;\n      transform: rotate(45deg) scale(1);\n    }\n    15% {\n      opacity: 1;\n      transform: rotate(135deg) scale(1);\n    }\n    20% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n    100% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n  }\n<\/style><tr data-product-id=\"98559dd6-c17b-40fb-a619-3014d270fc9d\" data-provider-id=\"12ee2ade-e1e9-43f0-b34b-760e916e902f\" data-product-name=\"Loans Canada Car Loans\" data-provider-name=\"Loans Canada \" class=\"grid-column-count-4  mobile-column-count-3 mobile-row-count-7  js-comparison-table__row  heroInTable__featuredProduct heroInTable__featuredProduct--yellow\"><td class=\"comparison-table__name combined-column-header sponsored-row  f1-clarity-header\"><div class=\"table-disclaimer__cellWrapper\"><button class=\"table-disclaimer\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" title=\"Important information about this website\" type=\"button\"><span class=\"table-disclaimer__text\"><span class=\"badge-text\">Promoted<\/span><\/span><svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#info\"><\/use><\/svg><\/button><\/div><a href=\"https:\/\/www.finder.com\/ca\/car-loans\/loans-canada-car-loans-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png\" alt=\"Loans Canada  logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><style>@media (max-width: 600px) {    .comparison-table tr td {        order: 3;     }     .comparison-table td.comparison-table__name {        order: 1 !important;         flex-basis: 100% !important;    }    .comparison-table td.comparison-table__product {        order: 2 !important;         flex-basis: 33.33% !important;        padding: .5rem .45rem;    }}<\/style><div class=\"finder-score-detail-heading\">  Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('cafcl')\"><span class=\"score__badge score__badge--excellent\"><span class=\"score__value\">9<\/span><\/span><span class=\"score__text-wrapper score__text score__text--excellent\">        Excellent      <\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/ca\/car-loans\/loans-canada-car-loans-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Loans Canada Car Loans<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,cafcl.product.datapoint_cafcl_finder_score\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><style>@media (max-width: 600px) {    .comparison-table tr td {        order: 3;     }     .comparison-table td.comparison-table__name {        order: 1 !important;         flex-basis: 100% !important;    }    .comparison-table td.comparison-table__product {        order: 2 !important;         flex-basis: 33.33% !important;        padding: .5rem .45rem;    }}<\/style><div class=\"finder-score-detail-heading\">  Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('cafcl')\"><span class=\"score__badge score__badge--excellent\"><span class=\"score__value\">9<\/span><\/span><span class=\"score__text-wrapper score__text score__text--excellent\">        Excellent      <\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,cafcl.product.datapoint_cafcl_apr_large\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"APR Range\"><span class=\"detail-highlight\">0% - 35.00%<span class=\"table-popover\" rel=\"popover\" data-content=\"0% financing is for new cars only. Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                  bottom-order-3\n                                                                                \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,cafcl.product.datapoint_cafcl_loan_amount_range_large\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Loan Amount\"><span class=\"detail-highlight\">$3,000 - $50,000<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,cafcl.product.datapoint_cafcl_loan_term_large\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Loan Term\"><span class=\"detail-highlight\">3-60 months<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-bottom no-padding-bottom sorter-false\" data-sortvalue=\"Requirements: {{DETAILS.REQUIREMENTS}}\" data-column-index=\"5\" data-decorator=\"text,cafcl.value.misc_table_offer_cafcl\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Requirements\"><style>td.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; }<\/style><div class=\"has-margin-bottom-xxsmall\" style=\"width: 100%; background-color: #F5F4EF; color: #; font-weight: 600; padding: 0.85em !important; border-radius: 3px; line-height: 18px;\">Requirements: Min. income of $1,800 \/month, 3+ months employed<\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext margin-bottom padding-bottom no-padding-top\" data-sortvalue=\"Loans Canada is a loan search platform. Get matched with a suitable dealer based on your credit history and borrowing requirements.\" data-column-index=\"6\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Broker Compliance\">\n                        Loans Canada is a loan search platform. Get matched with a suitable dealer based on your credit history and borrowing requirements.\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 bottom-order-4\"><div class=\"comparison-table__cellWrapper\"><a data-component-props='{\"finderScore\":9,\"badges\":[],\"productId\":\"98559dd6-c17b-40fb-a619-3014d270fc9d\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/car-loans\/loans-canada-car-loan-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22CAFCL%22%2C%22fieldset%22%3A%22cafcl-generic%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%2201a936d6-00d2-4388-b369-e98bd1e8e428%22%2C%22category_name%22%3A%22Refinancing%2Boptions%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221775752371%22%2C%22sponsored%22%3A%221%22%2C%22position%22%3A%221%22%2C%22offer_id%22%3A%2217709%22%2C%22niche_code%22%3A%22CAFCL%22%2C%22product_id%22%3A%2298559dd6-c17b-40fb-a619-3014d270fc9d%22%2C%22product_name%22%3A%22Loans%2BCanada%2BCar%2BLoans%22%2C%22post_id%22%3A%22764331%22%2C%22post_path%22%3A%22car-loans%252Frefinancing%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Go to Loans Canada 's site\">Go to site<\/a><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about Loans Canada Car Loans\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":9,\"badges\":[],\"productId\":\"98559dd6-c17b-40fb-a619-3014d270fc9d\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-98559dd6-c17b-40fb-a619-3014d270fc9d\" value=\"98559dd6-c17b-40fb-a619-3014d270fc9d\" name=\"productID\" _productname=\"@media (max-width: 600px) {    .comparison-table tr td {        order: 3;     }     .comparison-table td.comparison-table__name {        order: 1 !important;         flex-basis: 100% !important;    }    .comparison-table td.comparison-table__product {        order: 2 !important;         flex-basis: 33.33% !important;        padding: .5rem .45rem;    }}    Finder score                      \t               9                    Excellent                                          Loans Canada Car Loans            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":9,\"badges\":[],\"productId\":\"98559dd6-c17b-40fb-a619-3014d270fc9d\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-98559dd6-c17b-40fb-a619-3014d270fc9d\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"2aa22450-effc-4bd2-ab81-433d6307ce69\" data-provider-id=\"d98783b1-f30c-4c3a-ab9d-459f4b869134\" data-product-name=\"SafeLend Canada Refinance Loans\" data-provider-name=\"SafeLend Canada\" class=\"grid-column-count-4  mobile-column-count-3 mobile-row-count-7  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/65f8561900f9a.png\" alt=\"SafeLend Canada logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/65f8561900f9a.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/65f8561900f9a.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/65f8561900f9a.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/65f8561900f9a.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/65f8561900f9a.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><div class=\"finder-score-container\"><style>@media (max-width: 600px) {    .comparison-table tr td {        order: 3;     }     .comparison-table td.comparison-table__name {        order: 1 !important;         flex-basis: 100% !important;    }    .comparison-table td.comparison-table__product {        order: 2 !important;         flex-basis: 33.33% !important;        padding: .5rem .45rem;    }}<\/style><div class=\"finder-score-detail-heading\">  Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\">  Not scored yet  <\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><span>SafeLend Canada Refinance Loans<\/span><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,cafcl.product.datapoint_cafcl_finder_score\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><style>@media (max-width: 600px) {    .comparison-table tr td {        order: 3;     }     .comparison-table td.comparison-table__name {        order: 1 !important;         flex-basis: 100% !important;    }    .comparison-table td.comparison-table__product {        order: 2 !important;         flex-basis: 33.33% !important;        padding: .5rem .45rem;    }}<\/style><div class=\"finder-score-detail-heading\">  Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\">  Not scored yet  <\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,cafcl.product.datapoint_cafcl_apr_large\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"APR Range\"><span class=\"detail-highlight\">Not disclosed<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                  bottom-order-3\n                                                                                \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,cafcl.product.datapoint_cafcl_loan_amount_range_large\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Loan Amount\"><span class=\"detail-highlight\">Varies<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,cafcl.product.datapoint_cafcl_loan_term_large\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Loan Term\"><span class=\"detail-highlight\">Not disclosed<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-bottom no-padding-bottom sorter-false\" data-sortvalue=\"Requirements: {{DETAILS.REQUIREMENTS}}\" data-column-index=\"5\" data-decorator=\"text,cafcl.value.misc_table_offer_cafcl\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Requirements\"><style>td.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; }<\/style><div class=\"has-margin-bottom-xxsmall\" style=\"width: 100%; background-color: #F5F4EF; color: #; font-weight: 600; padding: 0.85em !important; border-radius: 3px; line-height: 18px;\">Requirements: Steady income, employed<\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext margin-bottom padding-bottom no-padding-top\" data-sortvalue=\"SafeLend Canada is a broker that specializes in car loan refinancing.\" data-column-index=\"6\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Broker Compliance\">\n                        SafeLend Canada is a broker that specializes in car loan refinancing.\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 bottom-order-4\"><div class=\"comparison-table__cellWrapper\"><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about SafeLend Canada Refinance Loans\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":0,\"badges\":[],\"productId\":\"2aa22450-effc-4bd2-ab81-433d6307ce69\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-2aa22450-effc-4bd2-ab81-433d6307ce69\" value=\"2aa22450-effc-4bd2-ab81-433d6307ce69\" name=\"productID\" _productname=\"@media (max-width: 600px) {    .comparison-table tr td {        order: 3;     }     .comparison-table td.comparison-table__name {        order: 1 !important;         flex-basis: 100% !important;    }    .comparison-table td.comparison-table__product {        order: 2 !important;         flex-basis: 33.33% !important;        padding: .5rem .45rem;    }}    Finder score  Not scored yet                              SafeLend Canada Refinance Loans            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":0,\"badges\":[],\"productId\":\"2aa22450-effc-4bd2-ab81-433d6307ce69\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-2aa22450-effc-4bd2-ab81-433d6307ce69\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"bdcdd11b-5a58-48dd-892f-d2af53bb9fd4\" data-provider-id=\"d0ef4157-1b12-474c-93ee-0844d3f0a394\" data-product-name=\"Innovation Credit Union Powersport Vehicle Loan\" data-provider-name=\"Innovation Credit Union\" class=\"grid-column-count-4  mobile-column-count-3 mobile-row-count-7  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/64bed33480adc.png\" alt=\"Innovation Credit Union logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/64bed33480adc.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/64bed33480adc.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/64bed33480adc.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/64bed33480adc.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/64bed33480adc.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><div class=\"finder-score-container\"><style>@media (max-width: 600px) {    .comparison-table tr td {        order: 3;     }     .comparison-table td.comparison-table__name {        order: 1 !important;         flex-basis: 100% !important;    }    .comparison-table td.comparison-table__product {        order: 2 !important;         flex-basis: 33.33% !important;        padding: .5rem .45rem;    }}<\/style><div class=\"finder-score-detail-heading\">  Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\">  Not scored yet  <\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><span>Innovation Credit Union Powersport Vehicle Loan<\/span><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,cafcl.product.datapoint_cafcl_finder_score\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><style>@media (max-width: 600px) {    .comparison-table tr td {        order: 3;     }     .comparison-table td.comparison-table__name {        order: 1 !important;         flex-basis: 100% !important;    }    .comparison-table td.comparison-table__product {        order: 2 !important;         flex-basis: 33.33% !important;        padding: .5rem .45rem;    }}<\/style><div class=\"finder-score-detail-heading\">  Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\">  Not scored yet  <\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,cafcl.product.datapoint_cafcl_apr_large\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"APR Range\"><span class=\"detail-highlight\">Undisclosed<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                  bottom-order-3\n                                                                                \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,cafcl.product.datapoint_cafcl_loan_amount_range_large\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Loan Amount\"><span class=\"detail-highlight\">$5,000 - $50,000<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,cafcl.product.datapoint_cafcl_loan_term_large\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Loan Term\"><span class=\"detail-highlight\">12 - 120 months<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-bottom no-padding-bottom sorter-false\" data-sortvalue=\"Requirements: {{DETAILS.REQUIREMENTS}}\" data-column-index=\"5\" data-decorator=\"text,cafcl.value.misc_table_offer_cafcl\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Requirements\"><style>td.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; }<\/style><div class=\"has-margin-bottom-xxsmall\" style=\"width: 100%; background-color: #F5F4EF; color: #; font-weight: 600; padding: 0.85em !important; border-radius: 3px; line-height: 18px;\">Requirements: 18 years of age and a Canadian resident<\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext margin-bottom padding-bottom no-padding-top\" data-sortvalue=\"Innovation Federal Credit Union offers loans nationwide.\" data-column-index=\"6\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Broker Compliance\">\n                        Innovation Federal Credit Union offers loans nationwide.\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 bottom-order-4\"><div class=\"comparison-table__cellWrapper\"><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about Innovation Credit Union Powersport Vehicle Loan\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":0,\"badges\":[],\"productId\":\"bdcdd11b-5a58-48dd-892f-d2af53bb9fd4\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-bdcdd11b-5a58-48dd-892f-d2af53bb9fd4\" value=\"bdcdd11b-5a58-48dd-892f-d2af53bb9fd4\" name=\"productID\" _productname=\"@media (max-width: 600px) {    .comparison-table tr td {        order: 3;     }     .comparison-table td.comparison-table__name {        order: 1 !important;         flex-basis: 100% !important;    }    .comparison-table td.comparison-table__product {        order: 2 !important;         flex-basis: 33.33% !important;        padding: .5rem .45rem;    }}    Finder score  Not scored yet                              Innovation Credit Union Powersport Vehicle Loan            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":0,\"badges\":[],\"productId\":\"bdcdd11b-5a58-48dd-892f-d2af53bb9fd4\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-bdcdd11b-5a58-48dd-892f-d2af53bb9fd4\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"1c629379-6e08-478a-b654-31c2821dd9a0\" data-provider-id=\"f6a3ab81-2892-42ac-92d5-f9d7ff9f0a24\" data-product-name=\"Get Approved Canada Car Loans\" data-provider-name=\"Get Approved Canada\" class=\"grid-column-count-4  mobile-column-count-3 mobile-row-count-7  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/643ed1ab9f704.png\" alt=\"Get Approved Canada logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/643ed1ab9f704.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/643ed1ab9f704.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/643ed1ab9f704.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/643ed1ab9f704.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/643ed1ab9f704.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><div class=\"finder-score-container\"><style>@media (max-width: 600px) {    .comparison-table tr td {        order: 3;     }     .comparison-table td.comparison-table__name {        order: 1 !important;         flex-basis: 100% !important;    }    .comparison-table td.comparison-table__product {        order: 2 !important;         flex-basis: 33.33% !important;        padding: .5rem .45rem;    }}<\/style><div class=\"finder-score-detail-heading\">  Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('cafcl')\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">7.4<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">        Great      <\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><span>Get Approved Canada Car Loans<\/span><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,cafcl.product.datapoint_cafcl_finder_score\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><style>@media (max-width: 600px) {    .comparison-table tr td {        order: 3;     }     .comparison-table td.comparison-table__name {        order: 1 !important;         flex-basis: 100% !important;    }    .comparison-table td.comparison-table__product {        order: 2 !important;         flex-basis: 33.33% !important;        padding: .5rem .45rem;    }}<\/style><div class=\"finder-score-detail-heading\">  Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('cafcl')\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">7.4<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great\">        Great      <\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,cafcl.product.datapoint_cafcl_apr_large\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"APR Range\"><span class=\"detail-highlight\">From 0%<span class=\"table-popover\" rel=\"popover\" data-content=\"Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                  bottom-order-3\n                                                                                \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,cafcl.product.datapoint_cafcl_loan_amount_range_large\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Loan Amount\"><span class=\"detail-highlight\">Varies<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,cafcl.product.datapoint_cafcl_loan_term_large\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Loan Term\"><span class=\"detail-highlight\">Not disclosed<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-bottom no-padding-bottom sorter-false\" data-sortvalue=\"Requirements: {{DETAILS.REQUIREMENTS}}\" data-column-index=\"5\" data-decorator=\"text,cafcl.value.misc_table_offer_cafcl\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Requirements\"><style>td.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; }<\/style><div class=\"has-margin-bottom-xxsmall\" style=\"width: 100%; background-color: #F5F4EF; color: #; font-weight: 600; padding: 0.85em !important; border-radius: 3px; line-height: 18px;\">Requirements: Must have a steady source of income<\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext margin-bottom padding-bottom no-padding-top\" data-sortvalue=\"Get Approved Canada is a loan search platform that matches you with offers.\" data-column-index=\"6\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Broker Compliance\">\n                        Get Approved Canada is a loan search platform that matches you with offers.\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 bottom-order-4\"><div class=\"comparison-table__cellWrapper\"><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about Get Approved Canada Car Loans\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":7.4,\"badges\":[],\"productId\":\"1c629379-6e08-478a-b654-31c2821dd9a0\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-1c629379-6e08-478a-b654-31c2821dd9a0\" value=\"1c629379-6e08-478a-b654-31c2821dd9a0\" name=\"productID\" _productname=\"@media (max-width: 600px) {    .comparison-table tr td {        order: 3;     }     .comparison-table td.comparison-table__name {        order: 1 !important;         flex-basis: 100% !important;    }    .comparison-table td.comparison-table__product {        order: 2 !important;         flex-basis: 33.33% !important;        padding: .5rem .45rem;    }}    Finder score                      \t               7.4                    Great                                          Get Approved Canada Car Loans            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":7.4,\"badges\":[],\"productId\":\"1c629379-6e08-478a-b654-31c2821dd9a0\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-1c629379-6e08-478a-b654-31c2821dd9a0\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><script>\n(function () {\n  window.isInfoBoxMutationObserverInitialized ??= false;\n  if (window.isInfoBoxMutationObserverInitialized) return;\n  window.isInfoBoxMutationObserverInitialized = true;\n\n  document.addEventListener(\"DOMContentLoaded\", () => {\n    function getLinkParams(anchor) {\n      const redirectUrl =\n        anchor.getAttribute(\"data-redirect-url\") || anchor.href || \"\";\n\n      try {\n        const url = new URL(redirectUrl);\n        const rawParams = url.searchParams.get(\"redirect_tracking_params\");\n\n        if (!rawParams) return;\n        const decoded = decodeURIComponent(rawParams);\n        const parsed = JSON.parse(decoded);\n        const { offer_id, niche_code, site, product_name, product_id } = parsed;\n\n        return {\n          redirectUrl,\n          offerId: offer_id,\n          niche: niche_code || site,\n          productName: product_name,\n          productId: product_id,\n        };\n      } catch (e) {\n        console.error(\"Failed to parse redirect_tracking_params\", e);\n      }\n    }\n\n    function initCountdownTimer(rewardsProduct, endDateStr) {\n      const countdownEl = rewardsProduct.querySelector(\".deals-countdown\");\n      \n      if (!countdownEl || !endDateStr) return;\n\n      const daysEl = countdownEl.querySelector(\"[data-countdown-days]\");\n      const hoursEl = countdownEl.querySelector(\"[data-countdown-hours]\");\n      const minutesEl = countdownEl.querySelector(\"[data-countdown-minutes]\");\n      const secondsEl = countdownEl.querySelector(\"[data-countdown-seconds]\");\n\n      let countdownInterval;\n\n      const updateCountdown = () => {\n        const now = new Date().getTime();\n        const endTime = new Date(endDateStr).getTime();\n        const distance = endTime - now;\n\n        if (distance < 0) {\n          \/\/ Countdown finished\n          if (daysEl) daysEl.textContent = \"00d\";\n          if (hoursEl) hoursEl.textContent = \"00h\";\n          if (minutesEl) minutesEl.textContent = \"00m\";\n          if (secondsEl) secondsEl.textContent = \"00s\";\n          if (countdownInterval) {\n            clearInterval(countdownInterval);\n          }\n          return;\n        }\n\n        const days = Math.floor(distance \/ (1000 * 60 * 60 * 24));\n        const hours = Math.floor((distance % (1000 * 60 * 60 * 24)) \/ (1000 * 60 * 60));\n        const minutes = Math.floor((distance % (1000 * 60 * 60)) \/ (1000 * 60));\n        const seconds = Math.floor((distance % (1000 * 60)) \/ 1000);\n\n        if (daysEl) daysEl.textContent = days.toString().padStart(2, \"0\") + \"d\";\n        if (hoursEl) hoursEl.textContent = hours.toString().padStart(2, \"0\") + \"h\";\n        if (minutesEl) minutesEl.textContent = minutes.toString().padStart(2, \"0\") + \"m\";\n        if (secondsEl) secondsEl.textContent = seconds.toString().padStart(2, \"0\") + \"s\";\n      };\n\n      \/\/ Update immediately\n      updateCountdown();\n\n      \/\/ Update every second\n      countdownInterval = setInterval(updateCountdown, 1000);\n\n      \/\/ Store interval ID to clear it later if needed\n      rewardsProduct.dataset.countdownInterval = countdownInterval;\n    }\n\n    const initRewards = (table) => {\n      if (!table) return;\n\n      const recordIdsAttr = table.getAttribute(\"data-table-record-ids\");\n      if (!recordIdsAttr) return;\n\n      let productIds = [];\n      try {\n        const decoded = recordIdsAttr.replace(\/&quot;\/g, '\"');\n        productIds = JSON.parse(decoded);\n      } catch (e) {\n        return;\n      }\n\n      if (!productIds.length) return;\n\n      productIds.forEach((productId) => {\n        \/\/ Handle pill clicks (minimal UX variant) - independent of infobox\n        const pill = table.querySelector(\n          `tr[data-product-id=\"${productId}\"] .rewards-pill`\n        );\n        if (pill && !pill.dataset.bound) {\n         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initRewards(table);\n    });\n  });\n})();\n<\/script><\/tbody><\/table><div class=\"comparison-table__loadingIndicator center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><div class=\"comparison-table__paginationContainer comparison-table__loadMoreContainer hide-comparison-table__paginationContainer\"><div class=\"comparison-table__loadMore comparison-table__paginationNav\"><button class=\"luna-button luna-button--primary js-comparison-table__showMore\" type=\"button\" data-offset=\"\">Load More<\/button><div class=\"js-show-more-data_count-01a936d6-00d2-4388-b369-e98bd1e8e428 comparison-table__dataCount\">Showing\n\t\t\t4\n\t\t\tof\n\t\t\t4\n\t\t\tresults\t\t<\/div><\/div><\/div><\/form><\/section><\/div><div id=\"compare-bar-v2\" class=\"compareBarV2__root rewards--container loyalty-rewards--container\" data-niche=\"CAFCL\" data-rewards-component=\"compare-products\"><\/div><div class=\"finder-score-methodology\"><h3 data-toc=\"false\" id=\"finder-score-methodology\">Finder Score for car loans<\/h3>\n\n<p>To make comparing even easier, we came up with the <a href=\"https:\/\/www.finder.com\/ca\/finder-score\">Finder Score<\/a>. Interest rates, fees and features across 20+ car loans are all weighted and scaled to produce a score out of 10. The higher the score the better the loan\u2014simple.<\/p>\n\n<p style=\"text-align: center;\"><a class=\"luna-button luna-button--primary\" href=\"https:\/\/www.finder.com\/ca\/car-loans\/car-loan-ratings-methodology\">Read the full methodology<\/a><\/p><\/div>\n    <\/div>\n<\/div>\n    <\/div>\n<h4>Step 5: Apply for pre-approval<\/h4><p>Many lenders offer <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/pre-approved-car-loan\">car loan pre-approval<\/a>, allowing you to see estimated rates and terms without affecting your credit score. Complete the pre-approval application on the lender\u2019s website by providing basic details about yourself, your vehicle and your current loan. This step will help you narrow down the best options without committing to a specific loan.<\/p><h4>Step 6: Review pre-approval offers<\/h4><p>Carefully evaluate the pre-approval offers you receive. Compare each to your existing loan to confirm your savings and assess the new terms. Factor in any perks or potential fees, and double-check that refinancing will actually benefit you in the long run. If the cost savings are minimal or if fees cancel out the advantages, you may want to reconsider.<\/p><h4>Step 7: Complete your application<\/h4><p>Once you choose a lender, submit a full application. This typically requires more detailed information, such as proof of income, insurance and vehicle information (e.g. VIN and mileage). Review the loan documents carefully, paying close attention to terms, repayment schedules and fees. Sign the agreement only when you\u2019re comfortable with the terms.<\/p><h4>Step 8: Pay off your previous loan<\/h4><p>Your new lender will either directly pay off your old loan or transfer funds to you to settle it yourself. Contact your original lender to confirm that the loan is fully paid off and the account is closed. Keep documentation of the payoff to avoid any disputes or surprises later.<\/p><h3>What are the current auto refinance rates?<\/h3><p>The average car loan interest rate in Canada is approximately 6.50%.<\/p><p>Refinance rates can vary based on individual financial factors like credit score, income and debt levels. Borrowers with strong credit profiles may qualify for rates below the national average, while those with lower credit scores might encounter higher rates. Consult with multiple lenders to obtain personalized rate quotes tailored to your financial situation.<\/p><h3>When is it a good idea to refinance a car loan?<\/h3><p>You\u2019ll typically only want to refinance a car loan in a few situations.<\/p><h4>Your credit score has improved<\/h4><p>A good credit score is key to securing a better car loan deal. If you\u2019ve made consistent on-time payments for six months, your score has likely increased, making you eligible for lower rates. Refinancing with a better rate can lower your monthly payments and total loan cost. Check your score and apply for pre-approval to see what new rates you qualify for.<\/p><h4>Your income has increased<\/h4><p>The more you make, the less likely lenders are to consider you a risk. If your income has increased, it might be worth it to refinance your car loan for a lower rate and shorter loan term. If you can afford the higher monthly payment that comes with a shorter term, you could save thousands on interest in the long run.<\/p><h4>Your debt has decreased<\/h4><p>If you had credit card debt or other loans when you first got your car loan and you\u2019ve since paid off that debt, you\u2019ll have proof that your finances are in good shape. In addition, you\u2019ve likely lowered your debt-to-income (DTI) ratio. This shows lenders that you can afford repayments, especially if you plan on shortening your loan term. The less risky you look to a lender, the more likely you are to be approved for a lower rate when refinancing.<\/p><h4>Your interest rate is high<\/h4><p>Having an interest rate over 10% is generally a sign that you may be better off finding a new lender\u2014even if your credit hasn\u2019t improved much. This is especially true if interest rates have dropped across the board due to the current lending market. For reference, the average car loan interest rate in Canada is currently 6.50%. Even if you don\u2019t get the lowest rate out there after refinancing, you could walk away paying less in interest than you previously were.<article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Dive deeper: <\/span><a href=\"https:\/\/www.finder.com\/ca\/car-loans\/car-loan-interest-rates\" style=\"text-decoration:underline; font-size:0.9em;\">Explore the latest car loan interest rates in Canada<\/a>\n<\/div>\n<\/article><\/p><h4>You want lower monthly payments<\/h4><p>Refinancing can lower your monthly payments by extending your loan term, reducing your interest rate or both. This can provide immediate financial relief if your budget has tightened or your circumstances have changed. However, extending the term may increase the overall interest you pay, so weigh the long-term costs before deciding.<\/p><h4>You want to work with a different lender<\/h4><p>You might want to refinance a car loan if you\u2019re dissatisfied with your current lender for some reason. In this case, you should do plenty of research before deciding on a new provider to make sure it\u2019ll be a better fit.<\/p><h4>You want to remove a cosigner from your loan<\/h4><p>You could decide to refinance if you want to get someone off your loan agreement. For example, maybe your parents helped you cosign the loan, but now your credit is good enough to manage on your own.<\/p><h4>You want to refinance to get cash back<\/h4><p>You might want to refinance a car loan for a larger amount than what you owe to tap into the equity in your car. This will let you borrow enough to pay off your old loan contract and get a bit of extra cash on the side.<\/p><h3>When is it not a good idea to refinance a car loan?<\/h3><p>You should avoid refinancing a car loan in the following situations:<\/p><h4>Your credit score has gone down due to late payments<\/h4><p>If your credit score has gone down since you first applied, you may be offered worse loan terms. This can happen if you\u2019ve missed bill payments or you have outstanding bills that have been sent to collections. In general, lenders want to see multiple months of on-time payments before approving you for refinancing.<\/p><h4>You have a year or less left on your loan<\/h4><p>It can be tempting to stretch your term out to get lower monthly payments. Just keep in mind that the sooner you pay off your loan, the less interest you\u2019ll pay and the quicker you\u2019ll own your vehicle outright.<\/p><h4>Your current loan has high prepayment penalties<\/h4><p>You might want to avoid car loan refinancing if your current loan comes with high fees for early repayment. Check your loan contract or contact your lender to find out more about prepayment fees. You might not save much if you have to pay extra fees to get out of your original loan contract.<\/p><h4>You\u2019re planning to sell your car soon<\/h4><p>It probably doesn\u2019t make sense to refinance your car if you\u2019re planning to sell it right away. In this case, you can simply make the sale and use the money you get to pay off your car loan. <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/sell-used-car\">Learn more about selling your car<\/a>.<\/p><h4>You don\u2019t have a regular source of income<\/h4><p>If you can\u2019t prove to a lender that you can make your monthly payments, it\u2019s likely that you\u2019ll be denied a loan offer. You\u2019ll have to supply proof of income\u2014not necessarily employment income\u2014to qualify for most car loan refinancing options.<\/p><h4>You\u2019ve taken on more debt<\/h4><p>If you\u2019ve recently opened a new credit card or borrowed a personal loan, you likely won\u2019t be in the best position to refinance your car loan.<\/p><h4>You have an older car with significant mileage<\/h4><p>Although there are lenders that will refinance a vehicle no matter its age or mileage, most want to see vehicles under 10 years old or with less than 100,000 miles. Choosing not to refinance helps you avoid borrowing money on a car that might not retain its value.<\/p><h4>Your car is worth less than your loan balance<\/h4><p>Lenders are generally unwilling to refinance a <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/upside-down-car-loan\">car loan if it\u2019s upside down<\/a>\u2014this is when your car loan is larger than what your car is worth.<\/p><h4>Your loan comes with front-loaded interest<\/h4><p>If you paid most of the interest on your car loan in the first few months or years, you don\u2019t stand to save much if you were to refinance your car loan.<\/p><h3>Car loan refinance calculator<\/h3><script async src=\"https:\/\/www.finder.com\/parent-theme\/calculators-scripts\/ca5c\/global.js\"><\/script><iframe title=\"Calculator\" class=\"js-iframe-generic-embed\" id=\"fin-calc\" data-src=\"https:\/\/www.finder.com\/wp-content\/mu-plugins\/calculators\/findercalcs\/tools\/clc.php?niche=USFPL\" width=\"100%\" frameborder=\"0\" scrolling=\"no\" style=\"border:none;\"><\/iframe><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">How to use this car loan refinance calculator<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"text-align: left; width: 20%;\" scope=\"col\">Input<\/th><th style=\"text-align: left; width: 40%;\" scope=\"col\">Current Lender<\/th><th style=\"text-align: left; width: 40%;\" scope=\"col\">New Lender<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>Loan term<\/td><td>N\/A<\/td><td>Loan term offered<\/td><\/tr><tr><td>Loan amount<\/td><td>N\/A<\/td><td>Amount left on your car loan<\/td><\/tr><tr><td>Bank name<\/td><td>Name of your current lender<\/td><td>Name of refinancing lender<\/td><\/tr><tr><td>Fixed rate<\/td><td>Current rate<\/td><td>Rate offered<\/td><\/tr><tr><td>Fixed period<\/td><td>Current loan term<\/td><td>Loan term offered<\/td><\/tr><tr><td>Ongoing rate<\/td><td>If your fixed rate changes after so many months, enter the new interest rate here.<\/td><td>If your fixed rate changes after so many months, enter the new interest rate here.<\/td><\/tr><tr><td>Upfront fees<\/td><td>Any one-time fees you paid<\/td><td>Any one-time fees you\u2019ll pay<\/td><\/tr><tr><td>Fees<\/td><td>Any ongoing fees that reoccur during the loan term. Select monthly or annually based on the frequency.<\/td><td>Any ongoing fees that will reoccur during the loan term. Select monthly or annually based on the frequency.<\/td><\/tr><tr><td>Early repayment<\/td><td>The prepayment penalty your current lender charges, if applicable. Car loans in Canada are open, so it\u2019s unlikely you\u2019ll need to pay this fee.<\/td><td>The prepayment penalty the lender charges, if applicable. Car loans in Canada are open, so it\u2019s unlikely you\u2019ll need to pay this fee.<\/td><\/tr><\/tbody><\/table><\/div>\n  <\/div>\n<\/li><\/ul><h3>Pros and cons of refinancing a car loan<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h4>Pros<\/h4><ul class=\"list-1\"><li>Lower interest rates save you money over time<\/li><li>Reduce monthly payments for better cash flow<\/li><li>Pay off the loan faster with shorter terms<\/li><li>Improve your financial flexibility and savings<\/li><li>Switch to a lender with better service or terms<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><h4>Cons<\/h4><ul class=\"list-12\"><li>Extending the term may increase total interest paid<\/li><li>Prepayment penalties can reduce your savings<\/li><li>Harder to qualify with poor credit or low car value<\/li><li>Refinancing won\u2019t fix vehicle depreciation issues<\/li><li>Time-consuming process for minimal savings<\/li><\/ul><\/div><\/div><h3>What do lenders look at when determining your eligibility to refinance a car loan?<\/h3><p>Lenders will want to look at the following factors when deciding whether or not to approve your car loan refinance application:<\/p><ul><li><strong>Equity.<\/strong> Equity is the difference between your car\u2019s value and the amount you owe; you must not owe more than the car is worth.<\/li><li><strong>Credit score.<\/strong> Credit score is an indicator of how risky you are as a borrower. Higher scores result in better interest rates.<\/li><li><strong>Credit history.<\/strong> Credit history shows how well you\u2019ve managed debts and payments in the past, helping lenders gauge reliability.<\/li><li><strong>Employment.<\/strong> Employment details like job title, income and duration show lenders your ability to make consistent payments.<\/li><li><strong>Existing debts.<\/strong> Existing debts, such as loans and credit cards, reveal your current financial obligations to lenders.<\/li><li><strong>Debt-to-income ratio.<\/strong> Debt-to-income ratio compares your monthly debt payments to income; a lower ratio shows financial stability.<\/li><\/ul><h3>Bottom line<\/h3><p>Refinancing your car loan can be a practical way to save money, reduce monthly payments or secure better loan terms. By following the eight steps outlined in this guide, you can navigate the refinancing process confidently and make an informed decision. It\u2019s essential to evaluate your financial situation carefully, including your car\u2019s equity, creditworthiness and current loan terms, to determine if refinancing is the right choice for you. With the right preparation and lender, refinancing can help you achieve greater financial flexibility and peace of mind.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">Can I refinance if I'm upside down on a car loan?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>It's unlikely. Lenders typically require positive equity in your vehicle to approve refinancing. If you owe more than your car is worth, consider paying down your loan or selling the car before applying to refinance.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000004\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000004\">\n                <span class=\"luna-accordion__title\">Can I refinance my car with the same lender?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000004\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, you might be able to refinance your car loan with the same lender. However, it's worth shopping around to compare rates and terms from other lenders, as you might find better deals.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000005\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000005\">\n                <span class=\"luna-accordion__title\">Can I refinance a car loan with bad credit?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000005\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>You can, but it may not always be beneficial. Refinancing with bad credit usually leads to higher interest rates, which may not improve your financial situation. However, if you need lower monthly payments, refinancing can help by extending your loan term. Keep in mind that a longer loan term means paying more interest overall.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000006\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000006\">\n                <span class=\"luna-accordion__title\">How soon can I refinance a car loan?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000006\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>You can typically refinance after just a few weeks or months of on-time payments, although some lenders may require you to pay a penalty fee to refinance.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000007\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000007\">\n                <span class=\"luna-accordion__title\">Does refinancing hurt my credit?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000007\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Refinancing may cause a temporary dip in your credit score due to a hard inquiry, but making consistent payments on the new loan can help your score recover.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000008\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000008\">\n                <span class=\"luna-accordion__title\">What fees are involved in refinancing a car loan?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000008\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Fees may include loan origination fees, title transfer fees or prepayment penalties on your existing loan. Check these costs before refinancing to ensure it's worth it.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000009\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000009\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div>","protected":false},"excerpt":{"rendered":"<p>Learn how to refinance your car loan to secure better rates and terms.<\/p>\n","protected":false},"author":1362,"featured_media":1034211,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"nicheCode":"","productId":"","enableOptimizely":false,"_persistent_nav_menu_items":null,"blockTemplateId":"","_post_hreflang":"en","related_url":"\/refinancing","workflow-intro":"","workflow-faq":"","workflow-conclusion":"","workflow-benefits":"","workflow-overview":"","workflow-test":"","footnotes":""},"categories":[5831],"tags":[5832,3651],"asset_tag":[],"class_list":["post-764331","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-loans","tag-car-loans","tag-refinancing"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Refinance a Car Loan: 8 Steps To Get Better Rates &amp; Terms<\/title>\n<meta name=\"description\" content=\"Refinancing your car loan can save you money. 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