1. Lower interest rate
If your credit has improved or market rates have dropped since you bought your car, refinancing can get you a lower rate.

2. Lower monthly payment
A lower interest rate—or even stretching the term—can free up valuable cash flow.

3. Shorter loan term
When you're in a stronger financial position, you can choose to pay off the loan faster and save on interest.

4. Cash-back up to $1,000
Use your vehicle equity to access cash for emergencies, debt consolidation, or other needs.

5. Credit profile boost
Your new loan, paid on time, strengthens your credit history over time.

6. Fast, streamlined, fee-free process
Apply online in minutes, get pre-qualified in minutes—with a soft pull that doesn’t affect your credit score.

7. Remove a co-signer
Refinancing creates a new agreement—an ideal opportunity to release a co-signer.

8. Flexible loan terms
Customize your term to either lower payments or pay off faster—whatever suits your goals.

9. Strong approval odds
Today’s lending landscape favors refinance applicants—credit access is improving.

10. NALN expertise: clarity through experience
Founded 15 years ago to cut through loan complexity, our over 150-member team focuses solely on auto refinance. That focus shows.