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If you're asking yourself, "Should I refinance my car loan?", consider these factors to help you decide.
Please tell us where you bank so we can give you accurate rate and fee information for your location.
Auto Refinance Loan
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See if refinancing can help lower your monthly payment adatext
Today's refinance
rate as low as
rate as low as
Rates displayed do not include the additional scroll toPreferred Rewardssection interest rate discount up to 0.50%.
Advertised as low as APR (Annual Percentage Rate) assumes excellent borrower credit history. Your actual APR may differ based on your credit history, approved loan amount, term, state of residence and applicable discounts, such as scroll toPreferred Rewardssection. These discounts will be reflected in your individual APR quote if you are approved for a loan. No loan documentation fee, but title and state fees may apply.
Advertised as low as APR (Annual Percentage Rate) assumes excellent borrower credit history. Your actual APR may differ based on your credit history, approved loan amount, term, state of residence and applicable discounts, such as scroll toPreferred Rewardssection. These discounts will be reflected in your individual APR quote if you are approved for a loan. No loan documentation fee, but title and state fees may apply.
More terms available
navigate toOur online application allows you to select terms of 48, 60 or 72 months; you can discuss other terms with your loan officer after your application is submitted.
View our navigate toBank of America auto loan eligibility requirements for information about minimum amounts financed, applicant eligibility and more.
Estimate how much you could save
Use our auto refinance calculator to compare your current loan with a refinance loan.
click to Go to auto refinance calculator page
Enrolled Preferred Rewards members can get an interest rate discount adatext using our program built around you.
Gold Tier
0.25%
Platinum Tier
0.35%
Platinum Honors Tier and higher
0.50%
Refinancing your auto loan is really simple (really)
Apply online
It only takes minutes for most customers, no fee to apply
Get a quick decision
Most applicants get a credit decision in 60 seconds
Your rate is locked
Apply to refinance and lock your rate for 30 days adatext upon approval
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†Refinance:
Example: A 5-year, fixed-rate refinance loan for $23,000 would have 60 monthly payments of $358 each, at an annual percentage rate (APR) of %.
Example: A 5-year, fixed-rate refinance loan for $23,000 would have 60 monthly payments of $358 each, at an annual percentage rate (APR) of %.