Auto Loan Refinance Calculator
Compare your current auto loan to a refinance offer to estimate your new monthly payment, total interest, and potential savings. Results update automatically as you adjust the numbers.
Your Current Loan and Refinance Offer
Enter your current loan balance, APR, remaining term, and monthly payment. Then add the new APR and new term from a refinance offer to compare costs and savings.
Current Loan
Enter your current payoff balance.
Use the APR from your loan statement.
How many payments are left on your current loan?
If you leave this at $0, we’ll estimate the payment from your balance, APR, and term.
Examples: lender fees, title fees, DMV fees, and documentation fees.
Roll fees into the new loan.
If unchecked, we treat fees as paid upfront when you refinance.
If unchecked, we treat fees as paid upfront when you refinance.
Actions
Refinance Offer
Enter the APR from your refinance quote.
Refinancing to a longer term can lower payments but raise total interest.
If you borrow more than your current balance, enter that amount here.
Results
Monthly Payment
| Current: — |
| Refinanced: — |
| — |
Total Interest Remaining
| Current: — |
| Refinanced: — |
| — |
Total Remaining Cost
| Current: — |
| Refinanced: — |
| — |
Estimated Savings
| Monthly: — |
| Total: — |
| — |
Tip: If your new APR is lower, refinancing may reduce your monthly payment and total interest. Use the fees slider to see whether the savings still hold up.
Results update automatically as you adjust your inputs.
Auto Loan Balance Over Time
Explore More Ways to Improve Your Monthly Cash Flow
Compare refinance options and explore tools that can help you save money and make smart financial decisions.