United States · Auto

Auto Loan Refinance Calculator

Compare an existing auto loan with a proposed refinance using balance, APR, term and refinance fees.

US units & dollarsRuns in your browserFormula & assumptions ↓

Your inputs

Your results

Enter your values and calculate to see the result.

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How this Auto Loan Refinance Calculator works

This calculator uses the values you enter and transparent arithmetic to create a US-focused planning estimate. Defaults are examples, not quotes or guaranteed market values.

Formula and assumptions

The result uses only the displayed inputs. Financing tools use standard amortization math where applicable; EV tools use entered battery, efficiency, charging-power and electricity assumptions.

Use better inputs

For a realistic comparison, enter current lender quotes, local tax rates, actual vehicle value, measured efficiency, electricity prices and transaction fees. Run more than one scenario before making a purchase or refinance decision.

Important limitations

This tool is educational and is not a lender quote, dealer offer, appraisal, tax determination, engineering specification or financial advice.

Browse all US auto calculators.

How to use this calculator

  1. Set Loan balance (default 25000).
  2. Set Current APR (default 8).
  3. Set Months remaining (default 48).
  4. Set New APR (default 5.5).
  5. Set New term (default 48).
  6. Set Refinance fees (default 250).
  7. Select Calculate to update the result. Reset restores the starting values.

Planning estimate only. Taxes, fees, lender terms, battery performance, charging losses, vehicle condition and local rules can change actual results.

Maintained by the CalculatorsOnline Editorial Team. Read our methodology policy.