Best Lenders To Refinance My Car

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, - December 4, 2013

When it comes time to ask the question, "should I refinance my car," the next question that may occur to you is: what are the best lenders to do so? There are so many choices that picking one can sometimes seem like an overwhelming task. But it’s really not difficult as long as you come to the process prepared. The first thing you need to figure out is whether or not you need to refinance at all. Common wisdom says that, if refinancing will lower your interest rate by at least 1 and a half points, it is advisable that you do so. A lower interest rate will mean less money that you pay in the long run, as well as possibly allowing for lower monthly payments. Assuming that you have decided it’s worthwhile, here are some of the best bets for finding car refinancing.

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Up2drive is a venerable name in car refinancing, and has long held a top spot among online lenders. It is a subsidiary of the BMW Bank of North America and boasts a simple and intuitive online interface for their loan applications. The application is free to submit, and Up2drive has been consistently rated in the top 10% of auto lenders in the category of application turnaround time. They also offer expedited check disbursement for approved applications, and the check itself can be made out either to you, or to the dealer. On top of all that, Up2drive is also known for its top-quality customer service department, with qualified professionals ready to field all of your lending questions quickly and efficiently. is an easy name to remember, and an easy company to work with. Their application process is extremely quick, and you may apply for as many as 4 loans with 1 application. What’s more, the application is free, and turnaround is superb. They have been a noted innovator in the business of online lending, recently announcing a new program of “Direct-to-Indirect” lending, which analysts expect to be a major event in the industry. is owned and operated by Horizon Digital Finance, a respected name in online finance of many stripes. Plus, the fact that they’ve been providing online lending services since 2004 means they’ve got a wealth of experience under their belt, and are still a good bit ahead of most of their competitors.

RateGenius: specializes in auto refinance loans and offers a free and easy-to-use application to help you find the lowest interest rate on your auto loan. RateGenius acts as a broker by comparing rates within its Lender Network, including FDIC-insured banks, thrifts, and licensed lenders. Once a lender agrees to make the loan, RateGenius will work with you to complete documents and finalize the loan with no service charge.

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While this list is by no means exhaustive, it should give you a good starting point in your search for car refinancing.

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The CarsDirect editorial team is dedicated to providing our readers with the latest on new and used cars, expert opinions on which vehicles make the grade, and all the fun stuff in between.

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