Best auto loan refinance rates for June 2025

*When comparing identical loans offers at the same term length, principal balance, and interest rate, a loan without a fee will have a lower total payback compared to a loan where a fee is assessed. Gravity Lending does not assess a fee to the borrower for any of our products or services. When comparing 2 loans with the same buy rate, principal balance, and term length, a loan with a marked up rate will cost the borrower more. Gravity Lending does not mark up rates offered to consumers from our lender partners. Gravity Lending processes loans on behalf of the lenders for the benefit of the customer. **Monthly and Total Savings: Average monthly payment and total interest savings shown were calculated from all funded loans in 2022. Payment is a calculation of the approved interest rate, selected term, and amount financed. Your actual savings may differ, more or less, depending on a combination of the rate approved, the term selected, and the total amount financed. *** Gravity Lending has the highest average satisfaction scores, at a 4.97 average review score, across the following platforms: Better Business Bureau, Google, TrustPilot, Lending Tree, Consumer Affairs, and Wallethub. You are not required, encouraged, guaranteed the option to skip a payment. Generally, auto loans have a grace period of 30-45 days to contract a first payment. Many lenders in the Gravity Lending network offer up to 90 days from the contract date before a first payment is required.

*APR and Fees Disclosure: Auto Approve works with lenders to find you the best Annual Percentage Rate (APR), which is based on factors like your credit history, vehicle and desired payment terms. Fees to complete your loan refinance vary by state and lender; they generally include admin fees, doc fees, DMV and title. Advertised 5.29% APR based on: 2019 model year or newer vehicle, 730 minimum FICO credit score, and loan term up to 72 months. All loans subject to credit and lender approval.

1. See Your Savings. Working with a national network of lenders, we saved our average customer over $1,118 last year. 2. Shop Rates. Customize the loan that is right for you, and lock in your new rate and payment that is right for you on your terms. 3. Verify & sign on-line. In our work we use the most modern and convenient solutions.

See partner disclosures: https://www.myautoloan.com/disclosure-section.html

APR is the Annual Percentage Rate. Your actual APR may be different. Your APR is based on multiple factors including your credit profile and the loan to value of the vehicle. APR ranges from 5.48% to 28.55% and is determined at the time of application. Lowest APR is available for a 36 month term, to borrowers with excellent credit. Conditions apply. Advertised rates and fees are valid as of 9/11/24 and are subject to change without notice.

    Truist Bank is an Equal Housing Lender. © 2025 Truist Financial Corporation. Truist, LightStream, and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.

• Lower your monthly payment- $150 Average Monthly Savings*
• Reduce your interest rate
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• Protect your vehicle with an Extended Service Contract

1. Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. The minimum loan amount in MA is $7,000. The minimum loan amount in Ohio is $6,000. The minimum loan amount in NM is $5,100. The minimum loan amount in GA is $3,100. 2. The full range of available rates varies by state. The average 3-year loan offered across all lenders using the Upstart platform will have an APR of 21.97% and 36 monthly payments of $35 per $1,000 borrowed. For example, the total cost of a $10,000 loan would be $12,646 including a $626 origination fee. APR is calculated based on 3-year rates offered in the last 1 month. There is no down payment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved. 3. Although educational information is collected as part of Upstart's rate check process, neither Upstart nor its bank partners have a minimum educational attainment requirement in order to be eligible for a loan. 4. This offer is conditioned on final approval based on our consideration and verification of financial and non-financial information. Rate and loan amount are subject to change based upon information received in your full application. This offer may be accepted only by the person identified in this offer, who is old enough to legally enter into contract for the extension of credit, a US citizen or permanent resident, and a current resident of the US. Duplicate offers are void. Closing your loan is contingent on your meeting our eligibility requirements, our verification of your information, and your agreement to the terms and conditions on the www.upstart.com website. 5. If you accept your loan by 5pm EST (not including weekends or holidays), you will receive your funds the next business day. Loans used to fund education related expenses are subject to a 3 business day wait period between loan acceptance and funding in accordance with federal law.