{"id":38113,"date":"2024-11-15T01:37:22","date_gmt":"2024-11-15T09:37:22","guid":{"rendered":"https:\/\/getjerry.com\/wp-site\/?p=38113"},"modified":"2025-07-14T16:21:29","modified_gmt":"2025-07-14T23:21:29","slug":"car-loan","status":"publish","type":"page","link":"https:\/\/jerry.ai\/car-loan\/","title":{"rendered":"Put auto refinancing on autopilot"},"content":{"rendered":"\n<p>An auto loan is a secured loan that helps drivers pay for a new or used car purchase. A secured loan is a loan that\u2019s backed by collateral: in this case, the car you\u2019re financing. When you take out a loan on your vehicle purchase, you agree to pay back the borrowed amount\u2014or forfeit the car to your lender.<\/p>\n\n\n\n<p>Every car loan is different. You can finance a car through a dealership, a bank, a credit union, or another lender\u2014and you\u2019ll get different loan rates at each depending on a wide variety of factors like your credit score, your loan term, your income, and the lender you choose. That\u2019s why it\u2019s so important to compare auto loan rates from multiple lenders\u2014it\u2019s the only way to find the rate that\u2019s right for you.<\/p>\n\n\n\n<p>The great news? If you\u2019ve got an existing car loan that\u2019s more than you can handle, you may have the option to refinance your loan and replace it with a new loan that better fits your finances.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Date<\/th><th>First Name<\/th><th>State<\/th><th class=\"has-text-align-center\" data-align=\"center\">Term<\/th><th class=\"has-text-align-center\" data-align=\"center\">Old Interest Rate<\/th><th class=\"has-text-align-center\" data-align=\"center\">New Interest Rate<\/th><th class=\"has-text-align-center\" data-align=\"center\">Old Monthly Payment<\/th><th class=\"has-text-align-center\" data-align=\"center\">New Monthly Payment<\/th><\/tr><\/thead><tbody><tr><td>January 2, 2025<\/td><td>Scott<\/td><td>Oregon<\/td><td class=\"has-text-align-center\" data-align=\"center\">72<\/td><td class=\"has-text-align-center\" data-align=\"center\">10.56%<\/td><td class=\"has-text-align-center\" data-align=\"center\">6.99%<\/td><td class=\"has-text-align-center\" data-align=\"center\">$460<\/td><td class=\"has-text-align-center\" data-align=\"center\">$303<\/td><\/tr><tr><td>December 16, 2024<\/td><td>Carlos<\/td><td>California<\/td><td class=\"has-text-align-center\" data-align=\"center\">72<\/td><td class=\"has-text-align-center\" data-align=\"center\">15.48%<\/td><td class=\"has-text-align-center\" data-align=\"center\">6.74%<\/td><td class=\"has-text-align-center\" data-align=\"center\">$481<\/td><td class=\"has-text-align-center\" data-align=\"center\">$381<\/td><\/tr><tr><td>October 30, 2024<\/td><td>Christian<\/td><td>Georgia<\/td><td class=\"has-text-align-center\" data-align=\"center\">65<\/td><td class=\"has-text-align-center\" data-align=\"center\">10.80%<\/td><td class=\"has-text-align-center\" data-align=\"center\">6.99%<\/td><td class=\"has-text-align-center\" data-align=\"center\">$492<\/td><td class=\"has-text-align-center\" data-align=\"center\">$368<\/td><\/tr><tr><td>July 10, 2024<\/td><td>Marc<\/td><td>Texas<\/td><td class=\"has-text-align-center\" data-align=\"center\">60<\/td><td class=\"has-text-align-center\" data-align=\"center\">8.88%<\/td><td class=\"has-text-align-center\" data-align=\"center\">5.99%<\/td><td class=\"has-text-align-center\" data-align=\"center\">$709<\/td><td class=\"has-text-align-center\" data-align=\"center\">$601<\/td><\/tr><tr><td>May 23, 2024<\/td><td>Steven<\/td><td>Michigan<\/td><td class=\"has-text-align-center\" data-align=\"center\">72<\/td><td class=\"has-text-align-center\" data-align=\"center\">14.16%<\/td><td class=\"has-text-align-center\" data-align=\"center\">8.49%<\/td><td class=\"has-text-align-center\" data-align=\"center\">$438<\/td><td class=\"has-text-align-center\" data-align=\"center\">$342<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left\" id=\"should-you-refinance\">Should you refinance your car loan?<\/h2>\n\n\n\n<p>The potential benefits of refinancing an auto loan are significant: a lower interest rate, lower monthly payments, and improved cash flow. Car loan refinancing could be a great way to free up cash quickly if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your income or credit score has increased since you got your initial loan<\/li>\n\n\n\n<li>You originally financed your car through a dealership<\/li>\n\n\n\n<li>You want to change your loan term<\/li>\n\n\n\n<li>Average interest rates have gone down since the start of your loan<\/li>\n\n\n\n<li>Your car\u2019s value is greater than the total amount left on your loan<\/li>\n<\/ul>\n\n\n\n<p>But refinancing isn\u2019t always the best option. In some cases, refinancing your auto loan could actually cost you money. For instance, if your lower interest rate comes with a longer loan term, you might end up paying more in the long term than if you\u2019d stuck with your original loan. Think carefully about whether short-term savings are worth a greater long-term cost.<\/p>\n\n\n\n<p>Auto loan refinance isn\u2019t for everyone\u2014and your eligibility depends on a few factors. You may not be able to refinance your loan if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You have multiple missed payments in the past six months<\/li>\n\n\n\n<li>You\u2019ve taken out new loans or declared bankruptcy in the past year<\/li>\n\n\n\n<li>You recently changed jobs (or became unemployed)<\/li>\n\n\n\n<li>You\u2019ve had a car repossessed in the past<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left\" id=\"best-websites\">Best auto refinance websites<\/h2>\n\n\n\n<p>There are a ton of sites out there that promise to help you refinance your auto loan\u2014but which are scams, and which can you trust?<\/p>\n\n\n\n<p>Auto refinance websites like LendingTree, Caribou, and RateGenius are safe options for anyone looking to refinance an auto loan. Drivers with lower credit scores or older vehicles may find decent refinance options with OpenRoad or LightStream. No matter where you look for refinance offers, your rates will still depend on your credit score, your vehicle, and a range of other factors.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left\">Auto Refinance FAQs<\/h2>\n\n\n\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        How long do you need to wait to refinance a car loan?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--plus\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>In general, it\u2019s best to wait at least six months before refinancing a car loan. While you might get offers before then\u2014and it\u2019s technically possible to accept them\u2014the drop in your credit score following the initial loan means your refinance offers will be much less favorable before six months have passed.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Is refinancing a car worth it?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--plus\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>It depends. If your credit score or income has improved, you have more than a year left on the loan, or you originally financed the loan through a dealership, refinancing is likely worth it. But if you\u2019re near the end of the loan term or don\u2019t have great credit, it may not be worth the trouble\u2014or you may not qualify.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Does refinancing an auto loan hurt your credit?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--plus\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Refinancing an auto loan means taking out a new loan\u2014and like any loan, it involves a hard credit check. This will cause a small but temporary hit to your credit score. As long as you\u2019ve chosen a good refinance deal, the effect on your credit should be minimal.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Can I refinance my car with the same lender?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--plus\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Yes! Refinancing with the same lender can be convenient, but it\u2019s still worth comparing offers from other lenders\u2014you may find a better deal elsewhere.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left\" id=\"compare-loan-rates\">Compare car loan rates<\/h2>\n\n\n\n<p>Why is it so important to compare auto loan rates? There are a few reasons:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Every offer is different: lenders use different methodologies to calculate your rate<\/li>\n\n\n\n<li>Credit matters: some lenders offer better rates to borrowers with low credit scores<\/li>\n\n\n\n<li>It\u2019s not all about interest rate: some lenders may offer you a better loan term<\/li>\n<\/ul>\n\n\n\n<p>Different types of lenders approach auto loans\u2014including refinancing loans\u2014differently. For instance, if you finance your vehicle through a car dealership, you\u2019re likely to pay more, since the dealer will factor in a profit margin for themselves. If you finance through a bank or credit union, on the other hand, you\u2019re likely to get a better rate based on your relationship with the lending institution.<\/p>\n\n\n\n<p>But three different credit unions, or three different banks, could give you different interest rates, loan terms, and penalties. That\u2019s why experts recommend getting at least three offers to compare before you sign on the dotted line. Comparing rates lets you see what you\u2019re eligible for\u2014and find the best deal based on your profile.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-left\">Should you finance through a dealership?<\/h3>\n\n\n\n<p>Financing through a dealership or an auto manufacturer\u2019s financing division can make getting a car loan easy\u2014but it may be more expensive than financing through a bank or credit union. While banks typically charge administrative fees, they\u2019re usually less than the commission a dealership makes off of your loan.<\/p>\n\n\n\n<p>If you feel that your dealer is pressuring you to accept an auto loan, proceed with caution. Remember that they have an incentive to get you to agree to a high-priced loan. You can use that incentive to negotiate a better deal, such as a rebate or a better interest rate, or you can compare loan offers from other lenders.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left\" id=\"young-borrowers\">Car loan rates for young borrowers<\/h2>\n\n\n\n<p>While lenders can\u2019t deny your loan application based on your age, young borrowers may have a harder time finding a good APR (annual percentage rate).<\/p>\n\n\n\n<p>Why? The biggest challenge for young borrowers is a lack of credit. When you haven\u2019t had a chance to build up a robust credit history, your score is likely lower than the average for older borrowers\u2014making your loan options less favorable.<\/p>\n\n\n\n<p>Another problem for young borrowers is the down payment required for an auto loan. In general, you should aim to put down 20% or more of the cost of your vehicle as a down payment\u2014and if you\u2019re able to put down more, your monthly payments will be lower. But if you\u2019re under 25, you\u2019re likely to have less in savings, which sets you up for higher rates and higher monthly payments.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th class=\"has-text-align-right\" data-align=\"right\"><\/th><th class=\"has-text-align-right\" data-align=\"right\"><code>16-25<\/code><\/th><th class=\"has-text-align-right\" data-align=\"right\"><code>25-35<\/code><\/th><th class=\"has-text-align-right\" data-align=\"right\"><code>35-45<\/code><\/th><th class=\"has-text-align-right\" data-align=\"right\"><code>45-55<\/code><\/th><th class=\"has-text-align-right\" data-align=\"right\"><code>55-65<\/code><\/th><th class=\"has-text-align-right\" data-align=\"right\"><code>65+<\/code><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-right\" data-align=\"right\">5-10K<\/td><td class=\"has-text-align-right\" data-align=\"right\">4.86%<\/td><td class=\"has-text-align-right\" data-align=\"right\">3.89%<\/td><td class=\"has-text-align-right\" data-align=\"right\">3.24%<\/td><td class=\"has-text-align-right\" data-align=\"right\">2.59%<\/td><td class=\"has-text-align-right\" data-align=\"right\">1.94%<\/td><td class=\"has-text-align-right\" data-align=\"right\">1.62%<\/td><\/tr><tr><td class=\"has-text-align-right\" data-align=\"right\">10-15K<\/td><td class=\"has-text-align-right\" data-align=\"right\">15.62%<\/td><td class=\"has-text-align-right\" data-align=\"right\">12.49%<\/td><td class=\"has-text-align-right\" data-align=\"right\">10.41%<\/td><td class=\"has-text-align-right\" data-align=\"right\">8.33%<\/td><td class=\"has-text-align-right\" data-align=\"right\">6.25%<\/td><td class=\"has-text-align-right\" data-align=\"right\">5.21%<\/td><\/tr><tr><td class=\"has-text-align-right\" data-align=\"right\">15-20K<\/td><td class=\"has-text-align-right\" data-align=\"right\">14.81%<\/td><td class=\"has-text-align-right\" data-align=\"right\">11.85%<\/td><td class=\"has-text-align-right\" data-align=\"right\">9.87%<\/td><td class=\"has-text-align-right\" data-align=\"right\">7.90%<\/td><td class=\"has-text-align-right\" data-align=\"right\">5.92%<\/td><td class=\"has-text-align-right\" data-align=\"right\">4.94%<\/td><\/tr><tr><td class=\"has-text-align-right\" data-align=\"right\">20-25K<\/td><td class=\"has-text-align-right\" data-align=\"right\">15.97%<\/td><td class=\"has-text-align-right\" data-align=\"right\">12.78%<\/td><td class=\"has-text-align-right\" data-align=\"right\">10.65%<\/td><td class=\"has-text-align-right\" data-align=\"right\">8.52%<\/td><td class=\"has-text-align-right\" data-align=\"right\">6.39%<\/td><td class=\"has-text-align-right\" data-align=\"right\">5.32%<\/td><\/tr><tr><td class=\"has-text-align-right\" data-align=\"right\">25-30K<\/td><td class=\"has-text-align-right\" data-align=\"right\">15.05%<\/td><td class=\"has-text-align-right\" data-align=\"right\">12.04%<\/td><td class=\"has-text-align-right\" data-align=\"right\">10.04%<\/td><td class=\"has-text-align-right\" data-align=\"right\">8.03%<\/td><td class=\"has-text-align-right\" data-align=\"right\">6.02%<\/td><td class=\"has-text-align-right\" data-align=\"right\">5.02%<\/td><\/tr><tr><td class=\"has-text-align-right\" data-align=\"right\">30K+<\/td><td class=\"has-text-align-right\" data-align=\"right\">14.69%<\/td><td class=\"has-text-align-right\" data-align=\"right\">11.75%<\/td><td class=\"has-text-align-right\" data-align=\"right\">9.79%<\/td><td class=\"has-text-align-right\" data-align=\"right\">7.83%<\/td><td class=\"has-text-align-right\" data-align=\"right\">5.88%<\/td><td class=\"has-text-align-right\" data-align=\"right\">4.90%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Finally, very young borrowers might not qualify for a car loan at all. If you\u2019re under legal contract age\u201419 years old in Alabama and Nebraska and 18 years old everywhere else\u2014you won\u2019t be able to take out an auto loan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left\" id=\"terms-matter\">Loan rates vary by loan term<\/h2>\n\n\n\n<p>A shorter loan term is likely to carry a higher APR than a long-term loan.<\/p>\n\n\n\n<p>Currently, the average loan term for an auto loan in the U.S. is 72 months. With a 72-month car loan, you\u2019ll be paying off your loan for six years, but you\u2019ll likely have a slightly lower APR than with a 60-month loan\u2014and a higher APR than an 84-month loan.<\/p>\n\n\n\n<p>Refinancing your auto loan for a shorter loan term could raise your APR, but lower your overall payments, while a longer loan term could lower your monthly payments.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left\" id=\"credit-matters\">Credit tier can matter<\/h2>\n\n\n\n<p>As a general rule, the higher your credit score, the lower your APR will be.<\/p>\n\n\n\n<p>Your credit tier isn\u2019t the only factor that affects your auto loan rates\u2014but it might be the single most important. Buyers with credit scores above 780 qualify for the lowest interest rates: an average of 2.47% for new car purchases and 3.61% for used car loans.<\/p>\n\n\n\n<p>As your credit score drops through the prime (660-719) and subprime (580-619) tiers, you\u2019ll see your APR climb. For borrowers with credit scores below 540\u2014the so-called deep subprime tier\u2014interest rates are well above 10% for both new and used car loans!<\/p>\n\n\n\n<p>That\u2019s why refinancing is such a powerful option for car owners whose credit score has climbed significantly since the start of their original loan. If you\u2019ve moved from subprime to prime or even superprime, you could qualify for a much better refinance deal. Check out the features below to see how your credit score could affect your auto loan rates.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left\" id=\"bad-credit\">Can you still get a car loan with bad credit?<\/h2>\n\n\n\n<p>Yes\u2014but it may be difficult. If your credit score is below 540, you may have a difficult time getting financing for a new or used car purchase, and any offers you get may be less than favorable.<\/p>\n\n\n\n<p>But getting a loan with poor credit isn\u2019t impossible. Getting a co-signer, putting down a large down payment, or buying a less expensive car could improve your odds of approval.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left\" id=\"getting-a-loan\">Getting a car loan<\/h2>\n\n\n\n<p>If you\u2019ve never applied for an auto loan before, the process can feel intimidating\u2014and mystifying! In fact, getting an auto loan is a fairly easy process if you know what you\u2019re doing.<\/p>\n\n\n\n<p>That\u2019s why <a href=\"\/signup\/\">Jerry <\/a>created a simple seven-step checklist to help you ace the auto loan process. Here\u2019s how car loans work.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Check your credit\u2014and be ready to build it.<\/h3>\n\n\n\n<p>Your credit score is one of the single biggest factors that sets the terms of your auto loan\u2014and a small difference in scores could mean paying a lot more for your loan.<\/p>\n\n\n\n<p>Never finance a car without checking your credit score first. You\u2019ll want to ensure that everything in your credit report is correct and report any errors or incorrect information to get a more accurate score.<\/p>\n\n\n\n<p>Be aware that the credit scores you get from banks or free personal finance apps may not be the same scores that auto loan lenders use to set your rate. They\u2019ll be working with specialized scores that emphasize your history of paying off auto loans\u2014so if you have a history of falling behind on car payments, your auto loan credit score will be negatively impacted.<\/p>\n\n\n\n<p>If your credit is poor, it may be worth waiting a while to rebuild it before applying for a loan. It\u2019s a good idea to wait if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You\u2019re within a few points of a higher credit tier<\/li>\n\n\n\n<li>You have the potential to increase your income in the next few months (e.g. if you\u2019re applying for new jobs)<\/li>\n\n\n\n<li>Your credit score is low enough that you don\u2019t qualify for many loans<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2. Compare at least three auto loan offers.<\/h3>\n\n\n\n<p>Never take the first car loan offer you get. While it might be the best option for you, you won\u2019t know that until you\u2019ve compared offers from a few different lenders.<\/p>\n\n\n\n<p>Ideally, you should compare at least three offers before picking an auto loan\u2014and if possible, compare offers from different types of lenders. You could get your auto loan from a dealership, a bank, an online lender, or a credit union, and comparing rates might reveal a significant difference in the terms you qualify for from different institutions.<\/p>\n\n\n\n<p>In general, dealerships will give you the worst loan terms\u2014so it\u2019s especially important to compare other rates if your first offer comes from the dealer selling you the car.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Get preapproved for a loan before you head to the dealership.<\/h3>\n\n\n\n<p>That\u2019s right\u2014before you even set foot on a dealer\u2019s lot, you should already be preapproved or prequalified for an auto loan.<\/p>\n\n\n\n<p>What\u2019s the difference\u2014and why does it matter? Prequalification gives you a ballpark estimate of your potential loan amount and interest rate, and typically only requires a \u201csoft\u201d credit check (i.e. one that won\u2019t hurt your score). Preapproval, on the other hand, comes with a hard credit pull and more concrete loan terms: it will lower your credit score, but give you greater bargaining power at the dealership.<\/p>\n\n\n\n<p>Going to the dealership with preapproval in hand puts you in the driver\u2019s seat throughout negotiations. When you know the terms of your loan in advance, you\u2019ll have a clearer idea of what you can (and can\u2019t) afford\u2014and you\u2019ll demonstrate to the dealer that you\u2019re a serious buyer.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Know what\u2019s negotiable.<\/h3>\n\n\n\n<p>Speaking of negotiations, you won\u2019t just need to do them at the dealership: you can also negotiate with your lender for a better loan deal!<\/p>\n\n\n\n<p>Your loan repayment term, APR and interest rate, prepayment penalties, and additional fees are all negotiable. This is another way that comparing rates can help you\u2014if you know what other lenders are offering, you may be able to leverage those offers into a better loan agreement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Pick your car based on your loan offer.<\/h3>\n\n\n\n<p>Maybe you\u2019ve got your car all picked out already\u2014but if your loan offer isn\u2019t enough to finance a new Mercedes, you might need to rethink your budget. A car loan for a new Lexus might be a better fit for your finances.<\/p>\n\n\n\n<p>That\u2019s just one more way that preapproval can make your job at the dealership easier. When you know what you can afford, you\u2019ll be able to find the car that\u2019s right for you.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">6. Make a sizable down payment.<\/h3>\n\n\n\n<p>It\u2019s possible to get an auto loan payment without any down payment\u2014and if you don\u2019t have a lot in your savings account, buying a car with zero down may be your only option.<\/p>\n\n\n\n<p>However, despite the up-front savings, a car loan with zero down payment will likely increase your long-term costs due to higher interest rates, a longer loan term, and the risk of becoming upside down on your loan.<\/p>\n\n\n\n<p>By making a bigger down payment\u2014experts recommend 20% or more if you can afford it\u2014you can lower your monthly payments and reduce the amount you\u2019ll pay in interest.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">7. Read the terms of your loan agreement carefully before you sign.<\/h3>\n\n\n\n<p>It should go without saying that it\u2019s important to read your loan contract before you sign the agreement. But what should you look out for?<\/p>\n\n\n\n<p>When you\u2019re reviewing the documents, be on the lookout for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Car loan fraud red flags like refinancing enrollment fees<\/li>\n\n\n\n<li>A proposed APR that exceeds <a href=\"https:\/\/www.nclc.org\/images\/pdf\/high_cost_small_loans\/fact-sheet-apr-caps-for-installment-loans.pdf\" target=\"_blank\" rel=\"noopener\">the APR cap<\/a> in your lender\u2019s state<\/li>\n\n\n\n<li>Hidden fees, like documentation fees and registration costs<\/li>\n\n\n\n<li>Unnecessary add-ons like <a href=\"\/car-insurance\/gap-insurance\/\">gap insurance<\/a> and extended warranties (you may want these, but they\u2019re usually cheaper elsewhere)<\/li>\n\n\n\n<li>Early payoff penalties<\/li>\n<\/ul>\n\n\n\n<p>Review the loan amount, total purchase price, APR, finance charge, and total of payments to make sure that you aren\u2019t signing your name to something you didn\u2019t agree to. If you\u2019re working with a reputable lender, these amounts should be the same you agreed to informally, but it\u2019s not unheard of for lenders to make subtle changes without consulting a buyer. Always check before you sign.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left\" id=\"min-req\">Minimum requirements to refinance your car<\/h2>\n\n\n\n<p>Do you qualify for auto loan refinancing? There\u2019s no single test that can determine your eligibility\u2014but the tabs below outline some common limits that lenders place on refinancing.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-left\">Credit score<\/h3>\n\n\n\n<p>There\u2019s no concrete credit requirement for auto loan refinance, but you\u2019re not likely to find a refinancing deal that\u2019s worth it if your score is under 600.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-left\">Debt-to-income (DTI) ratio<\/h3>\n\n\n\n<p>Your debt-to-income (DTI) ratio\u2014that is, the total of your monthly debt payments vs. your monthly pre-tax income\u2014is a key factor in your approval odds for auto loan refinance. A DTI under 50% gives you the best odds of approval.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-left\">Income<\/h3>\n\n\n\n<p>There\u2019s no universal income required to refinance your car loan, but most lenders look for a monthly income of at least $1,500. If you make less than this\u2014or if you have no income\u2014you\u2019ll have a difficult time qualifying for refinancing.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-left\">Time left on loan<\/h3>\n\n\n\n<p>Lenders typically won\u2019t refinance a loan that\u2019s been active for less than six months\u2014and it\u2019s generally recommended to wait at least a year before refinancing a loan. Likewise, if you\u2019ve got less than a year left on your loan, you\u2019re less likely to qualify for refinancing.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-left\">Value of loan<\/h3>\n\n\n\n<p>Many lenders won\u2019t refinance loans with less than $5,000 to $8,000 left on the loan. The exact minimum amount varies from lender to lender\u2014another reason that comparing refinance offers is worth your time.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-left\">Mileage<\/h3>\n\n\n\n<p>Many lenders are hesitant to refinance high-mileage vehicles. The mileage cap for most lenders is in the neighborhood of 100,000 to 150,000 miles.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-left\">Age of vehicle<\/h3>\n\n\n\n<p>The limit for vehicle age is much harder than other requirements: most lenders won\u2019t refinance a vehicle that\u2019s more than 10 years old. Some will even set a hard limit at eight years. If you\u2019re trying to refinance a car that\u2019s more than 10 years old, it\u2019s not impossible, but you\u2019ll likely need to turn to a specialized lender.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left\" id=\"what-you-need\">What you need to apply<\/h2>\n\n\n\n<p>If you want to apply for auto loan refinance, you\u2019ll need to have some documentation on hand. Here\u2019s what you need to line up before you can apply.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-left\">Proof of identity<\/h3>\n\n\n\n<p>A driver\u2019s license, passport, or other government photo ID should work as proof of identity for auto loan refinance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-left\">Proof of income<\/h3>\n\n\n\n<p>You must demonstrate to your new lender that you have the funds necessary to repay the loan. Recent pay stubs, bank statements, and\/or a W2 form can all function as proof of income, but your lender may also reach out to your employer directly to verify your income. For self-employed applicants, tax documents are the most important proof of income.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-left\">Social Security number<\/h3>\n\n\n\n<p>Your Social Security number (SSN), along with your name and other personal information, allows a lender to check your credit and banking history. This is also how a lender will calculate your debt-to-income ratio.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-left\">Proof of residence<\/h3>\n\n\n\n<p>Proof of residence is required by the federal government for any application for auto loan refinancing. Many lenders will accept the address on your driver\u2019s license as proof of residence, but if you don\u2019t have a license\u2014or if that address is not current\u2014you may need to provide additional documentation, such as a utility bill, mortgage statement, or homeowners or renters insurance policy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-left\">Vehicle information<\/h3>\n\n\n\n<p>Here\u2019s where financing through a dealership is easier: if your dealer sets up your auto loan, they\u2019ll automatically provide the lender with all the necessary information on your vehicle.<\/p>\n\n\n\n<p>If you\u2019re refinancing on your own, you\u2019ll need to gather this info. Luckily, it\u2019s pretty simple: you\u2019ll need your car\u2019s purchase price, vehicle identification number (VIN), and the year, make, and model. (For a used car loan, mileage and lien documents may also be required.)<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-left\">Proof of insurance<\/h3>\n\n\n\n<p>In order to finalize your auto loan, you\u2019ll need to prove that you have a car insurance policy that meets <a href=\"\/car-insurance\/is-car-insurance-required\/\">your state\u2019s minimums<\/a>\u2014and there may be additional requirements from your lender. Although no state laws require drivers to carry <a href=\"\/car-insurance\/collision-insurance\/\">collision <\/a>or <a href=\"\/car-insurance\/comprehensive-insurance\/\">comprehensive auto insurance<\/a>, many lenders require both.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left\" id=\"where-you-live\">Where you live is a factor<\/h2>\n\n\n\n<p>Average auto loan rates differ from state to state based on market conditions. New Hampshire car loan payments, for instance, are typically lower than Louisiana car loan costs. The amount you can save by refinancing also varies from state to state, with the biggest savings in Alaska and Nevada.<\/p>\n\n\n\n<p>The car-buying process also differs based on your location, especially if you\u2019re buying the car from a private seller. Some states require more documentation, have a higher sales tax, or place extra regulations on the car-buying process.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left\" id=\"car-type\">Car loans for car types can be different<\/h2>\n\n\n\n<p>The more expensive your car is, the higher your loan payments will be.<\/p>\n\n\n\n<p>But overall value isn\u2019t the only thing that affects your auto loan. For instance, used cars tend to carry higher interest rates, and most lenders won\u2019t approve a refinance application for a car more than 10 years old.<\/p>\n\n\n\n<p>Financed with the car&#8217;s manufacturer? Learn more about typical payments and policies so you can decide if refinancing offers might be right for you. Take a look at the features below.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"\/car-loan\/honda-payments\/\">Honda Finance<\/a><\/li>\n\n\n\n<li><a href=\"\/car-loan\/kia-payments\/\">Kia Finance<\/a><\/li>\n\n\n\n<li><a href=\"\/car-loan\/mercedes-benz-payments\/\">Mercedes-Benz Finance<\/a><\/li>\n\n\n\n<li><a href=\"\/car-loan\/volkswagen-payments\/\">Volkswagen Finance<\/a><\/li>\n\n\n\n<li><a href=\"\/car-loan\/hyundai-payments\/\">Hyundai Finance<\/a><\/li>\n\n\n\n<li><a href=\"\/car-loan\/audi-payments\/\">Audi Finance<\/a><\/li>\n\n\n\n<li><a href=\"\/car-loan\/nissan-payments\/\">Nissan Finance<\/a><\/li>\n\n\n\n<li><a href=\"\/car-loan\/acura-payments\/\">Acura Finance<\/a><\/li>\n\n\n\n<li><a href=\"\/car-loan\/subaru-payments\/\">Subaru Finance<\/a><\/li>\n\n\n\n<li><a href=\"\/car-loan\/chrysler-payments\/\">Chrysler Finance<\/a><\/li>\n\n\n\n<li><a href=\"\/car-loan\/toyota-payments\/\">Toyota Finance<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left\" id=\"buying-guides\">Car buying guides<\/h2>\n\n\n\n<p>Want some smart tips for buying different types of cars? <a href=\"\/signup\/\">Jerry\u2019s<\/a> got you covered. Check out our car-buying guides below.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-left\">Should you lease or buy?<\/h3>\n\n\n\n<p>For drivers who want to use a more expensive vehicle without taking on unmanageable ownership costs, leasing is an increasingly popular alternative to auto financing. Leasing allows you to drive a new vehicle for a monthly amount that\u2019s lower than the average loan payment.<\/p>\n\n\n\n<p>But you should only consider leasing if you don\u2019t want to own the vehicle you drive. If you want to invest in your vehicle as property, make any modifications, or put a lot of mileage on the car, buying is the better option.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"\/car-loan\/how-an-acura-lease-buyout-works\/\">Acura Car Lease<\/a><\/li>\n\n\n\n<li><a href=\"\/car-loan\/how-a-hyundai-lease-buyout-works\/\">Hyundai Car Lease<\/a><\/li>\n\n\n\n<li><a href=\"\/car-loan\/how-a-kia-lease-return-works\/\">Kia Car Lease<\/a><\/li>\n\n\n\n<li><a href=\"\/car-loan\/how-a-lexus-lease-buyout-works\/\">Lexus Car Lease<\/a><\/li>\n\n\n\n<li><a href=\"\/car-loan\/tesla-lease-vs-buy\/\">Tesla Car Lease<\/a><\/li>\n\n\n\n<li><a href=\"\/car-loan\/how-a-toyota-lease-buyout-works\/\">Toyota Car Lease<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left\" id=\"already-bought\">Already bought that new car?<\/h2>\n\n\n\n<p>Refinancing an auto loan isn\u2019t the only way drivers can reduce their car expenses. In fact, Jerry\u2019s kind of a super app when it comes to cars: we\u2019ll help find you cheap car insurance and help you estimate the cost of important car repairs (and even show you how to do some of them yourself!).<\/p>\n\n\n\n<p>As a licensed insurance broker and a car loan genius, Jerry is the trusted partner you need on your side to keep your car ownership costs low. Here are some advantages of letting Jerry save you money:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Jerry will never sell your personal information to a third party (translation: no spam calls!)<\/li>\n\n\n\n<li>Jerry is partnered with over 55 of the nation\u2019s top insurance providers<\/li>\n\n\n\n<li>Jerry can compare car insurance rates from 55+ insurers in under a minute (try us!)<\/li>\n\n\n\n<li>Jerry\u2019s insurance agents can help you switch to a new policy without a single phone call<\/li>\n<\/ul>\n\n\n\n<p>The average annual savings Jerry customers find on car insurance is over $600<\/p>\n\n\n\n<div class=\"wp-block-jerry-meet-experts\" data-wp-interactive=\"jerry\/meet-experts\" data-wp-context=\"{&quot;modalVisible&quot;:false}\">\n  <div class=\"font-circular text-2xl font-extrabold text-slate-900\">Expert-driven. Built for you.<\/div>\n\n  <div class=\"my-3\">\n    <div class=\"flex justify-between items-center py-3 border-b border-neutral-200 cursor-pointer font-semibold text-gray-900\" data-wp-on-async--click=\"actions.toggleModal\">\n  <button class=\"text-left text-base\" type=\"button\">\n    Why you can count on Jerry&#8217;s articles  <\/button>\n\n  <div class=\"transition data-[visible=true]:md:rotate-180 text-xs iconify i--chevron-down text-gray-500\" data-wp-bind--data-visible=\"context.modalVisible\"><\/div>\n<\/div>\n<div class=\"modal-backdrop fixed bottom-0 left-0 right-0 top-0 z-50 overflow-hidden overscroll-contain bg-black\/70 font-body transition-transform delay-100 duration-0 md:relative md:z-auto [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:bg-black\/0 [&amp;:not([data-visible=true])]:md:hidden\" data-wp-init=\"callbacks.onModalInit\" data-wp-on-async--click=\"actions.hideModal\" data-wp-bind--data-visible=\"context.modalVisible\">\n  <div class=\"modal-view fixed bottom-0 left-0 right-0 flex max-h-[75%] w-full flex-col rounded-t-3xl bg-white pb-7 pl-7 pt-3.5 transition md:relative md:rounded-none md:pl-0 md:transition-none [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:md:hidden\" data-wp-bind--data-visible=\"context.modalVisible\">\n    <div class=\"modal-header md:hidden flex justify-between items-center pb-1 mb-1 border-b border-zinc-200\">\n      <div class=\"modal-title text-base font-semibold\">Summary<\/div>\n\n      <div\n        class=\"modal-close-btn wp-block-group w-11 h-11 mr-2.5 content-center text-center\"\n        data-wp-on-async--click=\"actions.hideModal\"\n      >\n        <div class=\"iconify i--close text-gray-500 cursor-pointer\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"modal-body pr-7 overflow-y-auto\"><div class=\"wp-block-template-part\"><div class=\"flex flex-row items-center gap-2.5 rounded-lg bg-gray-pink px-4 py-5\">\n  <span class=\"iconify mt-0.5 shrink-0 self-start text-xs text-primary i--shield-check\"><\/span>\n\n  <div>\n    <div class=\"font-body text-xs font-bold text-primary\">Our goal is clear, trustworthy information.<\/div>\n    <div class=\"mt-1 font-body text-xs text-gray-600\">\n      Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and\n      experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept\n      current, and our editorial team is separate from our business partners, so our opinions &#038; tips are unbiased. All\n      insights drawn from Jerry\u2019s proprietary, aggregated customer auto insurance quotes data provide unique, real-world\n      guidance.\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n  <div class=\"text-base font-semibold text-gray-900\">Our experts<\/div>\n\n  <div class=\"my-8 flex flex-col gap-8 items-center justify-center\">\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/11\/R.E.-Fulton.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/11\/R.E.-Fulton.png 250w, \/wp-content\/uploads\/2024\/11\/R.E.-Fulton-150x150.png 150w, \/wp-content\/uploads\/2024\/11\/R.E.-Fulton-56x56.png 56w, \/wp-content\/uploads\/2024\/11\/R.E.-Fulton-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              R.E. Fulton            <\/div>\n\n                          <ul class=\"font-circular text-slate-700 mb-3 jerry-meet-experts flex flex-col md:flex-row\">\n                                  <li class=\"flex items-center mb-2 md:mr-2\">\n                    <span class=\"iconify i--shield-check text-base text-primary mr-2 min-w-4\"><\/span>\n                    <div class=\"jerry-block-content truncate\"><p>Licensed Insurance Agent<\/p><\/div>\n                  <\/li>\n                              <\/ul>\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.\u2019s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry\u2019s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry\u2019s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/09\/Jessica-Barrett.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/09\/Jessica-Barrett.png 250w, \/wp-content\/uploads\/2024\/09\/Jessica-Barrett-150x150.png 150w, \/wp-content\/uploads\/2024\/09\/Jessica-Barrett-56x56.png 56w, \/wp-content\/uploads\/2024\/09\/Jessica-Barrett-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Jessica Barrett            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Jessica Barrett is a senior insurance writer and editor with 10 years of experience in the automotive and travel industries. A specialist in car insurance, car loans, and car ownership, Jessica\u2019s mission is to create comprehensive content that car owners can use to manage their costs and improve their lives. As a managing editor for a team of writers and insurance specialists, Jessica has edited over 2,000 articles for Jerry on topics ranging from local insurance shopping tips to refinancing car loans with bad credit. Before joining Jerry as a senior content editor in 2021, Jessica created visual content for clients such as Expedia, Vivid Seats, Budget Direct Car Insurance, Angie\u2019s List, and HomeAdvisor. Her content was published in Business Insider, Forbes, Apartment Therapy, and the BBC.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Check your auto refinancing offer in 3 minutes or less with Jerry and reduce your monthly payment by an average of 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