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We favored lenders that make it easy for customers to preview possible costs. Transparency: This includes prequalification and disclosure of rates and fees.Criteria include online access, support availability, funding timeline, option for automatic payment and app availability. Customer experience: Our team looked at how easy it is for customers to apply for and manage their loans.Lenders with the lowest rates, fewer fees and most generous acceptance criteria receive higher scores. Affordability: Primarily, this section covers expected APR, acceptance criteria, discounts for autopay and the number of fees.Lenders that serve customers nationwide with flexible loan amounts rank higher. Availability: This accounts for loan amounts, vehicle restrictions and availability in each state.Each lender receives a Bankrate score based on four categories. To rate lenders specializing in auto refinance loans, Bankrate considers 16 different criteria, including the loan amount, disclosed APR and acceptance criteria. The Bankrate team assessed more than 35 auto lenders to find the best. Other lenders have lower minimums - usually $5,000 to $7,500. You will need to finance at least $9,000 to qualify. Although you can have a co-owner and still receive refinancing, Upstart doesn’t allow co-borrowers on its application. Upstart does not offer loans in Maryland. The usual cutoff is 100,000 miles, so Upstart is a good choice for cars that have made a few road trips. Figure out funding for your next car or refinance with confidence. Unlike many lenders, Upstart allows you to refinance vehicles with high mileage. You won’t need to visit a physical location to complete the loan process. Upstart has a seamless online application along with an app. And if you don’t have a credit history, it will still consider you. Upstart measures more than just your credit score, factoring in your work experience and education alongside your credit history. We do not include the universe of companies or financial offers that may be available to you. Since refinancing is essentially taking out a new auto loan. Find out which option is best for your needs based on the price, the rebate and the interest rate of the vehicle. Enter the total financing price, the rebate amount and the traditional financing rate to see the monthly payments and savings. But this compensation does not influence the information we publish, or the reviews that you see on this site. Minimum loan amounts vary by lender, but you can expect to need at least 3,000 to 7,500 left on your loan. Compare financing options for your car loan with this calculator. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. The offers that appear on this site are from companies that compensate us. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.īankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. We are an independent, advertising-supported comparison service.