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How to Refinance a Car Loan

Car Loan

 

Is your credit better now than when you first bought your car? Do you have some positive equity in your car? Then it might be to your advantage to learn how to refinance a car loan. How do you refinance a car loan? The best way to refinance an auto loan starts with being informed. Our finance center has helped lots of Thomasville, GA drivers with this very thing. So, let’s talk about what to know when refinancing your car, below.

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What to Know When Refinancing Your Car

Any guide on how to refinance a car loan should include some important caveats. So, here are some things to consider:

What to Know When Refinancing Your Car

  • You will probably only get a better rate if your credit score has improved.
  • Your old lender may charge a prepayment penalty.
  • Your new lender will likely charge fees on your new loan.
  • Some states will require you to re-register or transfer the title of your car (more costs).
  • You may not save money or qualify for a new loan if your car is older than eight years old, has over 100,000 miles on it, or you now owe more than the car is worth.

How Do You Refinance a Car Loan?

So, you’ve taken the points above into consideration, and you’ve decided that refinancing your loan is still right for you. Then, how do you refinance a car loan? The best way to refinance an auto loan starts with some research. Here is the research you should do:

How to Refinance a Car Loan

  • Pull your credit report. When it comes to what to know when refinancing your car, this is critical. So, check your report and fix any issues that are impacting your credit.
  • Figure out what your monthly payment should be. Our car payment calculator can help with that.
  • Get pre-approved. We have an online tool for that, too!
  • Shop around for the best rate. Applying to only one lender is not the best way to refinance an auto loan. Fortunately, most dealerships work with multiple lenders. So, talk to our finance department before you approach every lender in Crawfordville.

Talk to the Finance Department at Dale Earnhardt Jr Buick GMC

Our finance managers will be happy to help you understand the best way to refinance an auto loan for you. We make financing easy, regardless of your credit situation. We’re conveniently located near Panama City. So, stop by or contact us today!

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Hendrick Vehicle Disclaimer

$1,139.00 Predelivery Service Charge included in advertised price; this charge represents costs and profit to the dealer for items such as inspecting, cleaning, and adjusting vehicles, and preparing documents related to the sale. All prices exclude all taxes, tag, title, registration fees and government fees. Out of state buyers are responsible for all taxes and government fees and title/registration fees in the state where the vehicle will be registered. All prices include all manufacturer to dealer incentives, which the dealer retains unless otherwise specifically provided. Dealer not responsible for errors and omissions; all offers subject to change without notice; please confirm listings with dealer. All vehicles may not be physically located at this dealership but may be available for delivery through this location. Transportation charges may apply. Please contact the dealership for more specific information. All vehicles are subject to prior sale.



Additional Disclaimers:

Well-qualified customers who purchase a new, used, or certified pre-owned vehicle, 4 model years or newer with less than 60K miles between June 2, 2026 and July 31, 2026, and finance through a participating dealer and lender have the option to defer monthly payments for 90 days from contract date. Excludes Hendrick Performance vehicles. Finance charges begin to accrue on the date you sign the Retail Installment Sale Contract at the Annual Percentage Rate (APR) disclosed in the contract. May not be combined with other preferred lender financing offers. 75 months maximum term limit. Equal monthly payments only. Not available to Pennsylvania residents; see your dealer for details. Must take retail delivery by July 31, 2026. See dealer for complete down payment and interest rate options and details. Financing available to qualified buyers. Some exclusions apply. See dealer for complete details.

*Length of contract limited. Must finance through GM Financial. Some customers may not qualify. Not available with lease and some other offers. Take new retail delivery by 6/30/26. **Savings include all dealer discounts, conditional OEM incentives, and non conditional OEM stackable incentives. Savings vary by model and stock number. Not available with lease and some other offers. Not available with lease and some other offers. Take new retail delivery by 6/30/26. ***Deferred monthly payments for 90 days. Excludes residents of PA. Must finance with GM Financial. Some customers may not qualify. Down payment required at signing, if applicable. Finance charges accrue from date of financing. Not available with lease and some other offers. Take new retail delivery by 6/30/26.

*Savings include all dealer discounts, conditional OEM incentives, and non conditional OEM stackable incentives. Savings vary by model and stock number. Not available with lease and some other offers. Not available with lease and some other offers. Take new retail delivery by 6/30/26. **Monthly payment is $16.67 for every $1,000 you finance. Average example down payment is 10.3%. Must finance through GM Financial. Some customers may not qualify. Not available with lease and some other offers. Take new retail delivery by 6/30/26. ***Deferred monthly payments for 130 days. Excludes residents of PA. Must finance with GM Financial. Some customers may not qualify. Down payment required at signing, if applicable. Finance charges accrue from date of financing. Not available with lease and some other offers. Take new retail delivery by 6/30/26.

*Savings include all dealer discounts, conditional OEM incentives, and non conditional OEM stackable incentives. Savings vary by model and stock number. Not available with lease and some other offers. Not available with lease and some other offers. Take new retail delivery by 6/30/26. **HUMMER EV is available from a GMC EV dealer. Length of contract limited. Must finance through GM Financial. Some customers may not qualify. Not available with lease and some other offers. Take new retail delivery by 6/30/26. ***Deferred monthly payments for 120 days. Excludes residents of PA. Must finance with GM Financial. Some customers may not qualify. Down payment required at signing, if applicable. Finance charges accrue from date of financing. Not available with lease and some other offers. Take new retail delivery by 6/30/26.

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