Auto Refinance
Turn your car payment into real savings.
60, 72 or 84 month terms
Apply in minutes!
- Estimate your savings using our Auto Refinance Calculator below.
- Apply in minutes online or inside a branch.
- Upload your documents.
- Get a decision.
Estimate your new payment.
Use our calculator to see how much you could save each month and over the life of your loan.
Trusted by 300,000+ members.
Auto loan refinance FAQs
- People with auto loans at other financial institutions. Existing Everwise auto loans are not eligible for refinancing with Everwise.
- Indiana and Michigan residents
- Borrowers paying a higher APR than today’s rates or those whose credit has improved.
The following documents will likely be required:
- Vehicle registration
- Valid driver’s license
- Proof of active auto insurance policy
- Make, model, year, and VIN number
- Payoff letter from your current lender
Many decisions are quick. Funding typically occurs within a few business days after all required documents are received and your current lender payoff is processed. Approval is based on credit score, loan-to-value ratio, debt-to-income ratio, vehicle type, and mileage.
Credit Cards
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*APR = Annual Percentage Rate. All loans are subject to credit approval and membership eligibility requirements. Borrower must be a resident of Indiana or Michigan. All credit union programs, rates, terms and conditions may change without notice. Actual APR will vary based on borrower’s credit worthiness and underwriting factors.
New (2024 & Newer) 60 month term payment example: Based on a loan amount of $____________ for ____ months at ______% a monthly payment would be approximately $______ per month. APR is lowest rate offered as of _____________.
New (2024 & Newer) 72 month term payment example: Based on a loan amount of $____________ for ____ months at ______% a monthly payment would be approximately $______ per month.
New (2024 & Newer) 84 month term payment example: Based on a loan amount of $____________ for ____ months at ______% a monthly payment would be approximately $______ per month.
Special promotion not intended for purchase transactions, only refinancing of auto loans. Everwise will not refinance Everwise auto loans under this special promotion.