Simple, Fast

Auto Loan Refinancing

Put refinancing on auto pilot. Let Jerry do the work for you.
Reduce your payment by an average of $115/mo ($1,381/yr).1
Learn more
Checking your offers won’t impact your credit.2

$115

Average monthly
payment reduction

5.9%

Average Interest
Rate Reduction

$1,381

Average annual
payment reduction

Check your auto refinancing offers in 3 minutes

Whether you have good credit or not-so-good credit, Jerry can help you refinance your auto loan. In fact, 78% of customers with a credit score below 640 get approved.3
Check for offers
Once you’ve signed up in the Jerry app, check your Garage for auto refi offers.
Confirm your information
Simply select the offer that works best for you and answer a few questions - Jerry may ask you to upload a document or two after you’ve been approved by one of our trusted lenders.
Start paying less
Jerry will pay off your prior lender and introduce you to your lender who you will start making your new lower payments to.

Calculate My New Car Payment

Current Loan
New Loan
Remaining Balance

$

Current Monthly Payment

$

Remaining Loan Term in Months
A couple of questions
Credit Score Range
Desired Loan Term in Months
Estimated Monthly Savings

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Estimated Lifetime Savings

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New Interest Rate

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*Important Information: Calculator estimates are for educational purposes only. Savings are not guaranteed. Figures and amounts shown are not representative of actual auto loan refinance rates, terms, or offers. Applicants must provide lenders with additional information including but not limited to credit score, location, and vehicle details.
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What Our Customers
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Frequently Asked Questions

Auto loan refinancing replaces your current auto loan with a new auto loan. The funds from the new auto loan are used to pay off your current auto loan. Your new auto loan typically comes with a lower interest rate, a lower payment, and a new repayment term. You’ll stop making payments to your old lender and start making monthly payments to your new lender.
Refinancing your auto loan has two key benefits: a lower monthly car payment and/or a lower interest rate. A lower monthly payment frees up cash each month that can be used for other expenses. A lower interest rate could save you thousands of dollars in interest over the life of your loan.
There is no impact to view your offers or check your rate. When you submit your application for evaluation, the lender may conduct a hard inquiry. A hard inquiry may lower your credit score by five points or less. If you have a strong credit history and no other credit issues, you may find that your score drops even less. The impact to your credit score is temporary.
Refinancing your auto loan using the Jerry app can typically be completed in 15 minutes - the entire process can be completed on your phone in four steps:
Review your offers: With the Jerry app, you can quickly review your offers and select the offer that works best for your situation. When you check your offers, we’ll ask for a few pieces of information so we can find the best loan options for you. 
Submit your application: If you decide to move forward with an offer, we’ll ask you to provide additional details and your application will be submitted to a lender for approval. The lender will review your credit as part of the evaluation process. In some cases, this may appear as a hard credit inquiry on your credit report resulting in a temporary 5-point drop in your credit score. 
Upload your documents: When your application is approved, we may ask you for a few documents so we can verify the information you provided on your application. We’ll let you know which documents we need so you can upload them directly to the Jerry app with your phone.
Sign your loan package: Once your loan application has been finalized, you’ll be asked to e-sign your loan documents. Depending on your state, you may need to print a couple of documents for ink signature. Some states also require certain documents be notarized, but don’t worry, we’ll let you know exactly what you need to do and how to do it.
Once your loan documents are signed, the Jerry team takes care of all the time-consuming pieces of refinancing, including paying off your old loan, updating the lienholder on your vehicle title with your state’s DMV office, and setting up your new loan account with your new lender.
Each state imposes a title transfer fee that can vary depending on the state in which you reside. This fee is charged by your state and may range from $5 to $75. We will pay this fee on your behalf and add it to your final loan amount. Additionally, a one-time loan processing fee may be added to your loan amount based upon your state - this fee will never exceed $399. We will let you know if this fee applies to your loan and the amount of the fee. Importantly, neither fee will be assessed until your loan is approved, finalized, and funded.
Auto loan refinancing was recently launched and is not yet available in all states. Additionally, there are certain vehicle requirements (e.g., year, mileage) and other eligibility factors that may determine who receives an auto refi offer. We continue to expand our auto refinancing capabilities and will reach out to eligible customers as auto refinancing offers become available. In the meantime, if you would like to see if you may be eligible, please call 1-833-445-3779, MON-FRI 8 AM – 5 PM ET to speak with an auto refinancing specialist.
Our team is ready to answer any questions you have about auto refinancing. Call 1-833-445-3779, MON-FRI 8 AM – 5 PM ET, to speak with one of our auto refinancing specialists over the phone. You can also email us at refi@getjerry.com or text us at 1-470-206-1993.

Important Information

1. Monthly and Annual Payment Reduction amounts are based on average payment and interest reduction Jerry customers experienced between 11/1/2021 and 4/30/2022 with their new loan (same or extended term) compared to their prior loan payments, which may result from a lower interest rate, a longer term, or both. Your actual savings may be different.
2. Viewing your auto refinance loan offers may generate a “soft” credit inquiry on your credit report. This soft credit inquiry will not affect your credit score and is only visible to you. If you choose to accept one of your offers and submit a credit application, a hard credit inquiry may appear on your credit report, which may affect your credit score.
3. Based on the average approval rate of auto refinance applications submitted through Jerry Offers Inc. between 09/1/2021 and 3/31/2022. For this period, the average approval rate for customers with fair to poor credit (credit scores 660 and lower) was 78%. Every applicant’s credit situation is different. Other factors such as debt-to-income and credit history may influence whether your application is approved.
A representative example of payment terms is as follows: a Principal Loan Amount of $20,000 (which includes a $149 document processing fee) with an APR of 13.18% and a term of 60 months would have a monthly payment of $453.46. Loan amounts range from $5,000 to $100,000. Annual Percentage Rates (APRs) range from 1.99% to 21.99% (or state maximum). Loan terms range from 36 months to 84 months. Borrowers with exceptional credit may qualify for the lowest rate available. 
Your actual APR, loan terms, and savings will depend upon factors evaluated at the time of application, and may include credit score, credit history, income, vehicle value (based on year, make, model, accessories, and mileage), loan-to-value ratio, loan amount and loan term. If you choose to extend your loan term beyond your remaining term, the overall cost of your loan may be higher than without refinancing. 
Auto loan refinancing may not be available in all states.
LOAN FEES: The final loan amount may include a one-time loan processing fee that will be added to your loan amount only when your loan is finalized. The loan processing fee may vary by state but will not exceed $399. If you choose to add optional GAP coverage to your loan, the GAP fee will also be added to your loan amount. Other loan origination fees, including title filing and lien transfer fees may apply where permitted. In some states a notary fee may be required. These fees may be added to the amount financed.
VEHICLE RESTRICTIONS: Refinancing is only available for vehicles that are 10 years old or newer and have 100,000 miles or fewer. Refinancing is not available for Daewoo, Suzuki, Oldsmobile, Crosslander, Isuzu, Hummer, Pontiac, Saab, Saturn, Mercury, Volvo truck, Volvo White truck vehicles, diesel Volkswagen vehicles, Dodge Neons or any commercial vehicles. Jerry Offers Inc. does not currently offer refinancing loans for RVs, motorcycles, salvaged titles. Other vehicle restrictions may apply.