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When Should You Refinance your Car Loan?
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show-for-medium-up"><li class="navigation__item"><a href="/auto-loans/how-car-loans-work/" id="how-car-loans-work-topnav">How Car Loans Work</a></li><li class="navigation__item"><a href="/auto-loans/financing-car/" id="financing-car-topnav">How Financing a Car Works</a></li><li class="navigation__item"><a href="/auto-loans/when-to-refinance-a-car/" id="when-to-refinance-a-car-topnav">Is Auto Loan Refinancing Right for You?</a></li><li class="navigation__item"><a href="/auto-loans/buying-new-or-used-cars/" id="buying-new-or-used-cars-topnav">Buying a New or Used Car</a></li><li class="navigation__item"><a href="/auto-loans/lease-buyout/" id="lease-buyout-topnav">Learn about lease buyout auto loans</a></li></ul><div class="hide-for-medium-up"><ul class="navigation__list navigation__list--small clearfix js-navigation-list-small hide collapsed"><li class="navigation__item js-navigation-item-small"><a href="/auto-loans/how-car-loans-work/" id="how-car-loans-work-topnav">How Car Loans Work</a></li><li class="navigation__item js-navigation-item-small"><a href="/auto-loans/financing-car/" id="financing-car-topnav">How Financing a Car Works</a></li><li class="navigation__item js-navigation-item-small"><a href="/auto-loans/when-to-refinance-a-car/" id="when-to-refinance-a-car-topnav">Is Auto Loan Refinancing Right for You?</a></li><li class="navigation__item js-navigation-item-small"><a href="/auto-loans/buying-new-or-used-cars/" id="buying-new-or-used-cars-topnav">Buying a New or Used Car</a></li><li class="navigation__item js-navigation-item-small"><a href="/auto-loans/lease-buyout/" id="lease-buyout-topnav">Learn about lease buyout auto loans</a></li></ul></div></div></div><div class="column medium-3 navigation__column"><div class="js-nav-section-container"><span class="navigation__title show-for-medium-up"><span data-font="cnx-bold">Manage Your Loan</span> </span><a href="javascript:void(0);" class="navigation__title navigation__title--small hide-for-medium-up 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focusable=\"false\" width=\"30px\" height=\"30px\" viewBox=\"0 0 30 30\" version=\"1.1\" xmlns=\"http://www.w3.org/2000/svg\" xmlns:xlink=\"http://www.w3.org/1999/xlink\"><g id=\"web/icon/social/youtube/black\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"><path d=\"M12.0395013,3.54898859 C12.6283014,3.54986385 19.5848308,3.57043245 21.3768744,4.05379459 C22.4094745,4.33158201 23.2227902,5.15007987 23.4988048,6.18949851 C23.9699785,7.95915414 23.9985345,11.5350222 24.0002652,11.9619606 L24.0002652,12.0459231 C23.9985345,12.4728474 23.9699785,16.0486029 23.4988048,17.8183866 C23.2227902,18.8578052 22.4094745,19.6763031 21.3768744,19.9542269 C19.7043004,20.405243 13.5328854,20.4532235 12.2387475,20.4583278 L11.7607361,20.4583278 C10.4665982,20.4532235 4.29518322,20.405243 2.62260922,19.9542269 C1.59000912,19.6763031 0.776693356,18.8578052 0.50067875,17.8183866 C0.0751025103,16.2198723 0.0106212619,13.1480157 0.00085137579,12.253847 L0.00085137579,11.7540302 C0.0106212619,10.8598343 0.0751025103,7.78789714 0.50067875,6.18949851 C0.776693356,5.15007987 1.59000912,4.33158201 2.62260922,4.05379459 C4.41465279,3.57043245 11.3711822,3.54986385 11.9599822,3.54898859 Z M9.54506645,8.43525371 L9.54506645,15.5726314 L15.8181257,12.0040789 L9.54506645,8.43525371 Z\" id=\"icon-youtube\" fill=\"#000000\"></path></g></svg>","pageID":"ENT:Tool:SocialShare;Youtube","content":{"connectHeading":"Connect with us on our YouTube channel"}},"googleplus":{"enabled":true,"hasInterstitial":true,"class":"googleplus","links":{"googleplus":{"handle":"","link":"https://plus.google.com/+BankofAmerica/"}},"name":"Google+","svg":"","pageID":"ENT:Tool:SocialShare;GooglePlus","content":{"connectHeading":"Connect with us on Google+"}},"email":{"enabled":true,"hasInterstitial":false,"class":"email","links":{"email":{"handle":"","link":""}},"name":"Email","svg":"<svg focusable=\"false\" xmlns=\"http://www.w3.org/2000/svg\" width=\"33\" height=\"30\" viewBox=\"0 0 33 30\"><path d=\"M2.289,23.35V8.3L16.5,17.212,30.612,8.2V23.449H2.289v-0.1ZM28.922,7.212L16.5,14.935,3.978,7.212H28.922ZM0.5,25.232h32v-20H0.5v20Z\" style=\"fill: #867464\"/></svg>","pageID":"ENT:Tool:SocialShare;Email","shareUrl":"mailto:?subject=$TITLE$&body=$DESCRIPTION$%20%0A%0A$URL$","content":{"connectHeading":"Share via Email"}}}}"></div></div></div><div class="abstract"><h2>If you’re asking yourself, "Should I refinance my car loan?", consider these factors to help you decide if refinancing is the right option for you:</h2></div><section><div class="intro-paragraph"><p>If you’re thinking about refinancing your car loan, you’re probably hoping to lower your monthly payment. But a lower monthly payment can sometimes mean more money out of your pocket over the life of your loan. Here are 6 tips to think about when deciding whether or not to refinance your auto loan.</p></div></section><section><h3 class="head">1. Refinancing requirements</h3><div class="paragraph"><p class="">Each bank or lender has specific refinancing requirements, so be sure to ask about the details. For example, if you have $7,500 or more remaining on your car loan ($8,000 if the loan was made in Minnesota) and the car is less than 10 years old with fewer than 125,000 miles on it, you may be eligible to refinance with Bank of America. Our <a href="/auto-loans/auto-refinance-calculator/" id="link_refinance_Calculator">auto loan refinance calculator</a> will show you whether refinancing can save you money.</p></div><h3 class="head">2. Prepayment penalties</h3><div class="paragraph"><p class="">Does your current lender subject you to a prepayment penalty for paying off your loan early? Bank of America car loans don’t have such penalties, but if you're subject to one, do the math: If the amount you save by refinancing is significantly greater than the penalty, refinancing may still be a good idea.</p></div><h3 class="head">3. Interest rates</h3><div class="paragraph"><p class="">If the interest rate you qualify for today is significantly lower than your current loan rate, it may be a good time to refinance a car.<br>If it’s the same or higher, it’s probably not the right time to refinance. Remember, though: If you’re a <a href="https://promotions.bankofamerica.com/preferredrewards/en" id="link_preferredRewards">Bank of America Preferred Rewards</a> member,<br>you may qualify for an interest rate discount of up to 0.50%<sup> <a class="spa-footnote-link" id="ftn_InterestRateDiscount_link1" data-footnote-content="Preferred Rewards members who apply for an Auto purchase or refinance loan receive an interest rate discount of 0.25% for Gold tier, 0.35% for Platinum tier, and 0.50% for Platinum Honors and higher based on their Preferred Rewards tier at the time of auto loan application. The maximum Preferred Rewards interest rate discount on a Bank of America auto loan is 0.50%. This interest rate discount is not reflected in all our published rates on our website but will be confirmed and reflected in the interest rate quoted upon loan approval. Discounts are only available on auto loan applications submitted by you directly to Bank of America through its website, Financial Centers, or Bank call centers. Discounts are not available for motor vehicle leases or for applications sourced from car dealerships, car manufacturers, or third-party branded/co-branded relationships. Benefit is non-transferable. Subject to credit approval. Standard underwriting guidelines and credit policies apply." data-footnote="InterestRateDiscount" href="#ftn_InterestRateDiscount_content"><span class="spa-footnote-order"><span class="ada-hidden">adatext</span> </span></a></sup>.</p></div><h3 class="head">4. Your credit score</h3><div class="paragraph"><p class="">Has your credit score changed since your original car loan? If it’s improved, your better score may help you qualify for a lower interest rate. <a href="https://bettermoneyhabits.bankofamerica.com/en/credit/how-to-improve-your-credit-score" id="link_improveCredit" rel="noopener noreferrer" target="_blank">Learn how to improve your credit score</a></p></div><h3 class="head">5. Your income</h3><div class="paragraph"><p class="">Refinancing your auto loan so you have a lower monthly payment can make sense if your income has dipped. The lower payment can help ease the strain on your monthly budget — and if you don’t have one, think about <a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/creating-a-budget" id="link_createBudget" rel="noopener noreferrer" target="_blank">creating a budget</a> so you can better control all your finances.</p></div><h3 class="head">6. Time remaining on your loan</h3><div class="paragraph"><p class="">Refinancing and extending your loan term can lower your payments and keep more money in your pocket each month — but you may pay more in interest in the long run. On the other hand, refinancing to a lower interest rate at the same or shorter term as you have now will help you pay less overall.</p></div><div class="paragraph"><p class="">If your answer to “When should I refinance my car loan?” is “Soon,” <a href="/auto-loans/auto-refinance-loan/" id="link_refinance_Rates">review our current refinance rates</a> and take a look at our <a href="/auto-loans/auto-refinance-calculator/" id="link_refinance_Calculator">auto loan refinance calculator</a> to get a better understanding of whether refinancing makes sense for you.</p></div></section><div class="show-for-small-only social-mobile"><div id="shareMobileBottom" data-component="module" data-module="global-social-module" data-version="1.1.22" data-sparta-load="primary" data-module-ref="@sparta.global.modules/global-social-module" data-options='{"branding":"default","externalSite":false,"socialEnabled":true,"socialType":"sharing"}' data-init="GlobalSocialModule" data-module-parameters='{"skin":null,"socialEnabled":true,"externalSite":false,"branding":"default","size":"large","shape":"square","socialType":"sharing","isChild":true,"site":"auto-loans","networks":{},"analyticsId":"shareMobileBottom","headerTag":"div"}' class="global-social-module-class-v-1-1-22 global-social-module spa-module-init"><div class="boa-social-target boa-social-size--large boa-social-shape--square" data-sparta="Sparta" data-global-social-module-version="v1.0.0" data-config="{"language":"en","enableSocialContent":true,"content":{"thanks":"Thanks for wanting to spread the word","interstitial1":"Before you go, we want you to know we're only responsible for the content we post. 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