{"id":867256,"date":"2020-07-10T11:03:05","date_gmt":"2020-07-10T15:03:05","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=867256"},"modified":"2025-05-22T15:21:52","modified_gmt":"2025-05-22T19:21:52","slug":"auto-loan-refinancing-calculator","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/car-loans\/auto-loan-refinancing-calculator","title":{"rendered":"Car loan refinancing calculator"},"content":{"rendered":"<p>Refinancing your car loan can be a great way to lower your interest rate and save money on monthly payments. Enter your information in our calculator below to compare your existing loan to a potential refinanced loan to see how much you can save over time.<\/p><script async src=\"https:\/\/www.finder.com\/parent-theme\/calculators-scripts\/ca5c5\/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><p style=\"text-align: center;\"><a class=\"luna-button luna-button--primary luna-button--fluid\" role=\"button\" href=\"#compare\">Compare car loan refinancing providers<\/a><\/p><h3>How to use our auto loan refinance calculator<\/h3><p>For the most accurate results from our auto loan refinancing calculator, fill in all relevant fields:<\/p><ul class=\"list-1\"><li><b>Loan term. <\/b>How long you\u2019d like to take to pay off your new car loan.<\/li><li><b>Loan amount. <\/b>The payoff amount of your current car loan.<\/li><li><b>Bank name. <\/b>The name of the lenders you\u2019re working with \u2014 not necessarily a bank.<\/li><li><b>Fixed rate. <\/b>The interest rate you were initially quoted by each lender.<\/li><li><b>Fixed period. <\/b>The time the fixed rate is in place. If the fixed rate lasts the length of your loan, leave blank.<\/li><li><b>Ongoing rate. <\/b>If your fixed rate changes after so many months, enter the new interest rate here.<\/li><li><b>Upfront fees. <\/b>Any one-time application or origination fees.<\/li><li><b>Fees. <\/b>Any ongoing fees that reoccur during the loan term. Select monthly or annually based on their frequency.<\/li><li><b>Early repayment. <\/b>The prepayment penalty your lender charges, if applicable.<\/li><\/ul><h3>Information needed to use this car loan refinancing calculator<\/h3><p>You\u2019ll need the following information to compare your current car loan against a refinancing offer. If you\u2019ve been <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/pre-approved-car-loan\" rel=\"noopener noreferrer\">preapproved to refinance your car loan<\/a>, you\u2019ll likely know the interest rate and other fees your lender will charge. If not, reach out and ask for the required info. For info on your current loan, either check your loan agreement or contact your lender.<\/p><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><p><strong>Your new refinancing offer:<\/strong><\/p><ul class=\"list-7\"><li>New loan term<\/li><li>Interest rate<\/li><li>Fees<\/li><li>Prepayment penalty<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><p><strong>Your current car loan:<\/strong><\/p><ul class=\"list-7\"><li>Payoff amount<\/li><li>Interest rate<\/li><li>Fees<\/li><li>Prepayment penalty<\/li><\/ul><\/div><\/div><h3>What car loan interest rates are worth refinancing for?<\/h3><p>The average car loan interest rate in Canada is 6.72%. If you\u2019re paying more than that with your current loan, it\u2019s worth it to <a class=\"scroll\" href=\"#compare\">compare your options<\/a> and consider refinancing. The car loan interest rate you\u2019re offered will depend on your personal factors, like your credit score, employment income and employment history. <\/p><h3>Should I refinance my car loan?<\/h3><p>Once you\u2019ve calculated your results, you\u2019ll be able to compare the monthly repayments and total cost of each loan. If refinancing your car loan means you pay less in interest overall or have a lower monthly repayment, it might be worth it. But if you\u2019ll end up paying more by refinancing, you might want to hold off or compare other refinancing offers available to you.<\/p><h3 id=\"benefits\">Benefits and drawbacks of refinancing a car loan<\/h3><p>Refinancing a car loan isn\u2019t going to be the right choice for everyone. Read through the pros and cons of refinancing below to help decide if it\u2019s the right financial move for you.<\/p><h4>Benefits<\/h4><ul class=\"list-1\"><li><strong>Get lower interest rates.<\/strong> Lock in lower interest rates so that you pay less on your loan over time by refinancing with good credit.<\/li><li><strong>Lock in lower monthly payments.<\/strong> Extend your term to lower your monthly payments if you\u2019re struggling to repay your loan.<\/li><li><strong>Switch to a different lender.<\/strong> Pick a lender with better customer service or lower rates than your former provider when you refinance your car loan.<\/li><li><strong>Get cash back.<\/strong> Get cash back when refinancing an auto loan for a larger amount than what you owe for your car.<\/li><\/ul><h4>Drawbacks<\/h4><ul class=\"list-13\"><li><strong>Not a good option if you have bad credit.<\/strong> You won\u2019t be able to take advantage of lower interest rates if you have bad credit. <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/bad-credit\">Learn more about bad credit car loans.<\/a><\/li><li><strong>Prepayment penalties.<\/strong> You could end up losing money if you get lower rates but have to pay penalties for closing your old loan contract early.<\/li><li><strong>Pay more in interest if you extend your term.<\/strong> You could end up paying more in interest if you extend your term (even if your monthly payments are smaller).<\/li><\/ul><h3>Where can I refinance my car loan?<\/h3><p>Banks, credit unions and online lenders all typically offer options for borrowers looking to refinance. You can apply for pre-approval with multiple lenders without impacting your credit to help you find the best offer available to you. If that seems like too much work, <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/buying-a-car\/car-buying-services\" rel=\"noopener noreferrer\">consider using a car broker service<\/a> that sends your application to multiple lenders at once to help you hunt down the best deal.<\/p><h3 id=\"compare\">Get your car loan refinancing offer<\/h3><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 = 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                           APR Range\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"CAFCL.PRODUCT.DATAPOINT_CAFCL_LOAN_AMOUNT_RANGE_LARGE\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"loan_amount\">\n                                                        Loan Amount\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg 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-1;\n      text-align: center;\n      justify-self: unset;\n    }\n  }\n\n  \/* &#9472;&#9472; Base pill styles (original compact design) &#9472;&#9472; *\/\n  .rewards-pill {\n    display: inline-flex;\n    align-items: center;\n    gap: 6px;\n    background: linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%);\n    border: 1px solid #E6B40F;\n    border-radius: 4px 20px 20px 20px;\n    padding: 0px 8px 0px 2px;\n    cursor: pointer;\n    position: relative;\n    overflow: visible;\n    transition: filter 0.15s ease;\n    height: 24px;\n    box-sizing: border-box;\n\n    @media (max-width: 600px) {\n      box-shadow: 0 0 24px 0 rgba(255, 210, 59, 0.75);\n    }\n  }\n\n  .rewards-pill__shimmer {\n    position: absolute;\n    top: 0;\n    left: 0;\n    right: 0;\n    width: 100%;\n    height: 100%;\n    border-radius: 4px 20px 20px 20px;\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: 44px;\n    height: 27.75px;\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: 55%;\n    left: 3%;\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: #092673;\n    z-index: 1;\n    line-height: 24px;\n    white-space: nowrap;\n  }\n\n  \/* &#9472;&#9472; New design overrides (data-show-tc=\"true\") &#9472;&#9472; *\/\n  .rewards-pill[data-show-tc=\"true\"] {\n    padding: 0px 10px 0px 4px;\n    border-radius: 4px 32px 32px 32px;\n    height: 38px;\n    align-items: center;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__shimmer {\n    border-radius: 4px 32px 32px 32px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__icon-svg {\n    width: 68px;\n    height: 48px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__star {\n    top: 0;\n    left: 0;\n    margin-top: 0;\n    margin-left: 0;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__text {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 900;\n    font-style: italic;\n    font-size: 16px;\n    line-height: 18px;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #092673;\n    white-space: nowrap;\n    text-transform: none;\n  }\n\n  .rewards-pill__content {\n    display: flex;\n    flex-direction: column;\n    justify-content: center;\n    z-index: 1;\n    height: 100%;\n    padding: 2px 0;\n    box-sizing: border-box;\n  }\n\n  .rewards-pill__tc {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 400;\n    font-style: normal;\n    font-size: 10px;\n    line-height: 130%;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    text-decoration: underline;\n    text-decoration-style: solid;\n    color: #092673;\n    white-space: nowrap;\n  }\n\n  .rewards-pill__tc:hover {\n    opacity: 0.8;\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\n  \/* Rewards Pill Countdown - wrapper layout for countdown + pill *\/\n  .rewards-pill-wrapper:has(.rewards-pill-countdown:not([hidden])) {\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      flex-direction: row;\n      gap: 10px;\n      margin-bottom: 6px;\n    }\n\n    @media (max-width: 600px) {\n      flex-direction: column;\n      gap: 12px;\n    }\n  }\n\n  .rewards-pill-countdown[hidden] {\n    display: none !important;\n  }\n\n  .rewards-pill-countdown {\n    font-family: 'Modern Era', Arial, sans-serif;\n    font-weight: 800;\n    font-size: 12px;\n    line-height: 100%;\n    letter-spacing: -0.025em;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #232320;\n    white-space: nowrap;\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      order: -1;\n    }\n\n    @media (max-width: 600px) {\n      justify-content: center;\n      margin-bottom: 8px;\n    }\n  }\n\n  .rewards-pill-countdown__timer {\n    display: inline;\n  }\n\n  .rewards-pill-countdown__sep {\n    margin: 0 1px;\n  }\n\n<\/style><script>\n(function () {\n  window.isRewardsPillScriptInitialized ??= false;\n  if (window.isRewardsPillScriptInitialized) return;\n  window.isRewardsPillScriptInitialized = true;\n\n  document.addEventListener(\"DOMContentLoaded\", () => {\n    function getLinkParams(anchor) {\n      const redirectUrl = anchor.getAttribute(\"data-redirect-url\") || anchor.href || \"\";\n      try {\n        const url = new URL(redirectUrl);\n        const rawParams = url.searchParams.get(\"redirect_tracking_params\");\n        if (!rawParams) return;\n        const { offer_id, niche_code, site, product_name, product_id } = JSON.parse(\n          decodeURIComponent(rawParams)\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        return;\n      }\n    }\n\n    function bindPill(pill, getContextFn) {\n      if (pill.dataset.bound) return;\n      pill.dataset.bound = \"true\";\n      pill.addEventListener(\"click\", () => {\n        const { container, cta } = getContextFn();\n        if (!container || !cta) return;\n        const linkParams = getLinkParams(cta);\n        if (!linkParams) return;\n        const params = {\n          productId: linkParams.productId,\n          campaignName:\n            container.getAttribute(\"data-rewards-campaign-name\") ||\n            pill.getAttribute(\"data-campaign-name\") ||\n            \"\",\n          redirectUrl: linkParams.redirectUrl,\n          productName: linkParams.productName,\n          providerName: container.getAttribute(\"data-provider-name\") || \"\",\n          niche: linkParams.niche,\n          offerId: linkParams.offerId,\n          component: \"infobox\",\n        };\n        if (window.rewards && typeof window.rewards.displayModal === \"function\") {\n          window.rewards.displayModal(params, false, cta);\n        }\n      });\n    }\n\n    \/\/ Table pills: bound via tr[data-product-id]\n    document.querySelectorAll(\"tr[data-product-id] .rewards-pill\").forEach((pill) => {\n      const row = pill.closest(\"tr\");\n      bindPill(pill, () => ({\n        container: row,\n        cta: row ? row.querySelector(\".rewards--cta\") : null,\n      }));\n    });\n\n    \/\/ Standalone pills: .rewards--container articles (shortcode \/ non-table context)\n    document.querySelectorAll(\".rewards-pill[data-campaign-name]\").forEach((pill) => {\n      if (pill.closest(\"tr\")) return; \/\/ table pills already handled above\n      const container = pill.closest(\".rewards--container\");\n      bindPill(pill, () => ({\n        container: container ? container.querySelector(\".rewards--element-container\") : null,\n        cta: container\n          ? container.querySelector(\"a.rewards--cta:not([aria-hidden='true'])\")\n          : null,\n      }));\n    });\n  });\n})();\n<\/script><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%225f18befe-92c7-40fd-99ec-319036a4c674%22%2C%22category_name%22%3A%22Refinancing%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221779714272%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%22867256%22%2C%22post_path%22%3A%22car-loans%252Fauto-loan-refinancing-calculator%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><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 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comparison-table__dataCount\">Showing\n\t\t\t1\n\t\t\tof\n\t\t\t1\n\t\t\tresult\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<h3>Is it expensive to refinance a car loan?<\/h3><p>No, car loans are relatively inexpensive types of loans to refinance. You may have to pay a relatively small application fee, transfer fee or a fee to cancel your current loan. Just keep in mind that depending on how much these fees are, you may not actually end up saving that much money in the end if there\u2019s not a significant enough difference between your new and old interest rates.<\/p><p>That being said, some auto finance lenders will charge a fee worth the full amount of unpaid interest if you try to pay off the loan early. In that case, you won\u2019t save money by refinancing.<\/p><h3>Bottom line<\/h3><p>Refinancing your car loan could help you save on interest, lower your monthly repayments or both. Using our auto loan refinancing calculator can help you decide if refinancing you car loan is worth it. Check out <a href=\"https:\/\/www.finder.com\/ca\/car-loans\/refinancing\" rel=\"noopener noreferrer\">our guide to car loan refinancing<\/a> to understand more about how it works and compare lenders.<\/p><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=\"lazy0000000003\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000003\" 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>Use our calculator to find out if that new car loan offer really is a better deal.<\/p>\n","protected":false},"author":367,"featured_media":867265,"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,"post_is_fact_checked":"false","post_co_author":"846","post_co_author_date":"2025-05-22T15:21:55","post_co_author_manual_date_checked":null,"post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":null,"post_editor":"-1","post_editor_date":null,"post_author_date":"","post_author_manual_date_checked":"false","footnotes":""},"categories":[5831],"tags":[5460,5832,5439,3651],"asset_tag":[],"class_list":["post-867256","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-loans","tag-calculator","tag-car-loans","tag-latest-3","tag-refinancing"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Car Loan Refinance Calculator: Estimate Your Savings | Finder Canada<\/title>\n<meta name=\"description\" content=\"Calculate how much you might save by refinancing your car loan. Compare lenders and see what the best deal is for you.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/ca\/car-loans\/auto-loan-refinancing-calculator\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Car loan refinancing calculator\" \/>\n<meta property=\"og:description\" content=\"Calculate how much you might save by refinancing your car loan. 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