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"How do you refinance a car loan if your lender doesn’t offer refinancing? "

"I would like to refinance my car loan to save myself some money and hopefully lower my monthly payments, but my lender won’t do it. Am I stuck?"

avatar
Johnny Puckett · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“No, you are not stuck. Your best option is going to be to check with a credit union to find the best interest rate that you qualify for. From there your balance will transfer from one lender to another and you will start making payments to the new lender.
Before refinancing you should make sure that your current loan doesn’t have a prepayment penalty or any other fees for paying the loan off early or refinancing might not save you any money.”
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