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Where can you refinance a car loan?

Is there a specific place I need to go to refinance my car loan? I want to try to lower my payments, but I’m not sure where I should look.

avatar
Liz Jenson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Loans can be tricky, especially when it comes to refinancing. Luckily, there are plenty of places you can go to refinance. In fact, banks, credit unions, and third-party lenders all offer refinancing services.
As a general rule, you should compare quotes from multiple lenders before settling on a loan. That way, you can see what’s out there and decide which lender is best for you. Typically, you should try to gather quotes within a two-week time frame to avoid multiple hard credit checks—which can impact your credit score.
For help finding and learning about available lenders, try the
Jerry
 app. A licensed broker, Jerry makes refinancing easy by connecting you with top lenders in minutes.
Alternatively, you could check to see if a local credit union could help you refinance. As nonprofit organizations, credit unions are dedicated to offering community members flexible terms and low APRs on their loans. If you qualify, credit unions are always great options for refinancing.
MORE: How to refinance a car
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