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Free · Under a minute · No SSN

Stop overpaying on your car loan.

Five quick questions

Hi, I’m Buddy. What year is your car?

Lenders price your new rate off the vehicle.

About how many miles are on it?

A rough number is fine.

About how much do you still owe on it?

The more you owe, the more a lower rate saves you.

Your credit score, roughly?

Best guess. The higher your score, the lower your rate.

Last one: what state do you live in?

Lenders are licensed by state. This picks the right ones.
Pick your state.

Checking 100+ lenders in your state…

This takes a few seconds.
  • Vehicle year and mileage···
  • Credit range···
  • Loan balance···
  • 100+ lenders licensed in your state···

Good news. I found a lender that may be able to help.

Where should I email your match? I’ll send your lender match and your savings numbers so you have them in writing, even if you miss the call. One email, no spam.
Enter a valid email address.

Who should the lender ask for?

Your name as it appears on your license.
Enter your first and last name.

Last step: the best number to reach you.

The lender calls this number to confirm your rate. Nothing moves forward without you.
Please check the highlighted fields.

I just texted you a 6-digit code.

Enter it to confirm your number. This keeps your match from going to the wrong person.
That code didn’t match. Try again.
Resend code · Change number
✓

Request received.

No credit impactNo SSN256-bit encrypted
You’d save
$0/mo
That’s $0 over the life of your loan.
Estimate vs. a 6.29% rate over 72 months. Not an offer.

The rate you signed isn’t the rate you deserve.

Most people never shop their auto loan after the dealership. Three reasons yours is probably higher than it needs to be.

Your credit improvedA year of on-time payments can move you into a better tier than the one you were priced at. Lenders don’t lower your rate on their own.
The dealer set your rateDealer-arranged financing can include a markup over what the lender actually offered. Refinancing directly takes it out.
You took the first offerBuying the car and signing the loan usually happen in the same visit. There’s no time to shop, so most people never do.

Today’s average auto refinance rates

What a refinance can look like across the credit spectrum, on a $20,000 balance over 72 months. Your own rate depends on your car, income and credit.

Experian, Q2 2026 · subject to change
Credit profileAvg. APR, used-car loansEst. payment on $20K
ExcellentScore 781+
6.29%Experian avg.
from $334/mo
GoodScore 661–780
8.81%Experian avg.
from $359/mo
FairScore 601–660
13.93%Experian avg.
from $411/mo
RebuildingScore 501–600
19.10%Experian avg.
from $469/mo
Illustrative payments on a $20,000 balance over 72 months, using Experian’s Q2 2026 average used-car APR for each credit tier (State of the Automotive Finance Market). Not offers, not prequalification. Your actual rate is set by the lender when it reviews your application.

How Buddy works

Five taps. Buddy does the legwork.

01

Tell me about your car

Model year, mileage, what you owe and your credit range. Under a minute, and I never ask for your SSN.

02

I shop 100+ lenders

I check your answers against lenders that refinance cars like yours in your state and pick the one that fits.

03

You lock in a lower payment

The lender confirms your rate, pays off your current loan and handles the title paperwork. You start paying less.

Why your payment might be too high

Most people never check after they drive off the lot.

Your credit improved

A year of on-time payments can move you into a better tier than the one you were priced at. Lenders don’t lower your rate on their own.

The dealer set your rate

Dealer-arranged financing can include a markup over what the lender actually offered. Refinancing directly can take it out.

You took the first offer

Buying the car and signing the loan usually happen in the same visit. There’s no time to shop, so most people don’t.

Ask Buddy

Will this affect my credit score?

Nope. Checking with me doesn’t touch your credit. If you move forward, the lender runs a check to confirm your rate.

Does it cost anything?

Not a cent. The lenders I connect you with pay me, so you never do.

What do I need?

Just your car’s model year, rough mileage, what you owe, and your credit range. I never ask for your Social Security number.

Can I refinance an older car or one with high miles?

Depends on the lender. Most have a cap on age and mileage, which is why I ask up front. I only match you with lenders that fit your car.

How fast does it happen?

You see your match the second you finish. Once you accept an offer, most refinances close within days. The slow part is usually your current lender sending the payoff.

I’m ready when you are

Five taps and I’ll shop 100+ lenders to find you a lower rate. No SSN, no credit hit, no cost.

Auto Refi Buddy is a free matching service operated by Caliber Lead Group LLC, 30 N Gould Street, Sheridan, WY 82801 · [email protected]
TermsPrivacy PolicyAdvertising DisclosureDo Not Sell or Share My Personal Information

We are not a lender or a broker and do not make credit decisions. We are compensated by the lenders we match you with. Completing our questions is not a loan application. Approval, rates and terms are set by the lender and depend on your credit, vehicle and state. Rate and payment figures on this page are industry averages or illustrative examples, not offers. Sources: Experian State of the Automotive Finance Market Q2 2026; TransUnion.