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How long until you can refinance a car loan?
My credit score has improved since I took out my loan. I know I can get a better deal somewhere else if I refinance. How long do I have to wait until I can refinance my car loan?
Lauren Smith · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congratulations on your improved credit score! When it comes to refinancing a car loan, you need to wait until the title transfer clears. This process can take up to three months.
However, it’s recommended that you wait at least a year to give your credit score time to recover from the hard inquiry when you applied for your
car loan
. The longer you stick to your loan, the more likely your credit score will improve, leading to better terms when you refinance. But if you find a better deal earlier or need to make changes, there’s legally nothing standing in your way of refinancing.
To save yourself time and energy, you can refinance quickly by downloading the
Jerry
app. Answer a few questions, and we’ll match you with multiple lenders. Car owners pay $85 less every month by refinancing their auto loans.View full answer
- Gregory R.
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