Auto Loan Refinance Calculator
Drag a slider or tap a number to type it. Your loan statement has these.
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Estimates only, not an offer of credit. Actual rates, payments, fees, and eligibility depend on the lender, your credit profile, and underwriting. Refinancing to a longer term can lower your payment but raise total interest. RateLever is not a lender. Read our auto refinance guide.
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Fill out one form and compare offers from several auto lenders.
A refinance service that shops your loan with its lender network, including credit unions.
A large lending marketplace where you can see offers from multiple lenders.
Your numbers, standard math
Every result uses the inputs you set and standard loan formulas. Nothing is rounded up to look better. See exactly how below.
Free, no sign-up, no credit check
You don't need to share anything to use the calculators. Email is optional, only if you want to save your plan.
We tell you how we're paid
Paid links are labeled. Partners never change our math, and the calculators tell you when refinancing doesn't look worth it.
Guides: understand it before you apply
All guides →How we calculate
Auto refinance
We work out your current loan's APR from your balance, payment, and months left. Then we calculate a new payment for the same balance and the same months left, at the estimated rate for your credit tier, using the standard amortization formula. Savings = (current payment − new payment) × months left. That equals the interest you'd avoid, because the same balance is being repaid. Tier rates are illustrative, and fees and taxes aren't included.
0% balance transfer
We find the payment that clears your balance plus the transfer fee within the intro period. Then we simulate paying that same amount every month on your current card, with interest charged monthly at your APR as the balance falls, until it's paid off. Savings = interest on your current card − the transfer fee. This assumes no new purchases, no late payments, and a high enough credit limit.
Debt consolidation
On the debt consolidation calculator, each card is paid at the amount you enter, with interest charged monthly at its APR. The personal loan is sized so that, after an origination fee taken from the proceeds, it pays off every card, and it's repaid with a fixed payment over the term. The optional 0% transfer adds the transfer fee and keeps your current total payment. Full method on that page.
HELOC vs. cash-out refinance
Lenders typically cap total borrowing on a home at about 85% of its value (combined loan-to-value), so we cap the cash there. Many cash-out refinances cap at 80%. To compare like with like, both options are fully repaid over 30 years: (A) your current balance at your current rate plus the HELOC at an assumed 8.5%, versus (B) one cash-out loan for balance + cash at an assumed 6.8%. Closing costs, taxes, insurance, and variable-rate changes aren't included.
Compound growth
Contributions are added monthly and grow at an assumed 8.5% annual return (about 0.71% a month). That's a hypothetical, roughly in line with long-run U.S. stock market averages before inflation. Real returns vary and can be negative.