(877) HELLO-14 Check my savings

Say hello to a lower car payment.

Takes two minutes. Costs you nothing. Let's find out what you're overpaying for.

See my rate No upfront impact to credit score
2 min It takes 2 minutes
1 advisor From start to finish
$0 No cost to check
Man smiling beside his car after refinancing his auto loan

We do the digging.
You get the deal.

Finding a better rate usually means hours on hold, a stack of forms, and a lot of “let me check with my manager.” We skip all that.

We compare your loan against a wide network of credit unions, find the terms that work in your favor, and bring you the number. That’s money back in your pocket every month.*

No hold music. No hunting through fine print. Just a better deal, handled.

* Timeline varies by lending and approval. Total savings vary by loan and selected features.

How does this actually work?

No calling banks. No filling out ten different applications. Our matching process quietly checks your profile against our credit unions in real time, and surfaces the offers most likely to actually put money back in your pocket**.

Hello smarter matching.
Goodbye phone tag.

01

Apply in minutes

A short form online. No credit hit, no hassle.

02

Meet your consultant

A real person who asks about your goals before recommending anything.

03

We shop around for you

Comparing offers across a wide network of credit unions, so you don’t have to.

04

Pick what fits

Plain-English options and a clear recommendation, not a sales pitch.

05

We handle the paperwork

You sign, we chase down the details, and your new payment kicks in.

** Potential savings depend on your current loan terms, credit profile, selected lender, and approved rate. Not all borrowers will see savings. Individual results vary.

Hey! While we are in there, want the rest protected?

Service contracts

For the repair you didn’t budget for. Protects your ride, your wallet, and your peace of mind – so you keep cruising, worry-free.

Learn more →

GAP coverage

For the day a total loss isn’t a total payoff. Bridges what insurance pays and what you still owe.

Learn more →
Rates 4.99% – 19.24% APR***
Terms 12–96 months

Do I qualify?****

  • Credit score of 600 or better
  • At least 6 months of credit history
  • $1,500+ in monthly income (varies)
  • Loans from $5,000 to $150,000

*** APR (Annual Percentage Rate) is accurate as of publication date and subject to change. Actual APR is subject to credit approval and selected term duration. APR advertised is based on a number of variables, such as your credit score, vehicle being refinanced, home address and length of payment terms. Actual payment amount is based on APR and term duration and subject to lender approval and credit terms.

**** Requirements vary by lender.

No catches. Just a better rate.

Here’s exactly what you’re signing up for — and nothing you’re not.

Soft credit check only.

Checking your rate never dings your score.

Every fee shown upfront.

No surprise line items buried in fine print.

You control contact preferences.

Call, text, or email — your call, not ours.

A real quote in 60 seconds.

Actual numbers, not a ballpark guess.

A dedicated loan consultant.

One person who knows your file, start to finish.

A dedicated network of credit unions.

Better rates than you’ll typically find shopping big banks alone.

If it has wheels, or floats, we probably handle it.

Hello Refi’s network of credit unions refinances more than just cars. If you’re paying a monthly note on any of these, it’s worth a 60-second look:

White SUV on the highway — auto loan refinancing

Auto

Cars, trucks, SUVs, vans. 10 model years, under 120K

Motorcycle rider on an open road at sunset — motorcycle refinancing

Motorcycle

Street, sport, cruiser, touring. 2019 or newer, most makes

Speedboat crossing open water — boat loan refinancing

Boat

Powerboat, pontoon, sailboat, jet ski, 15 model years max

ATV parked on a mountain ridge at sunset — ATV loan refinancing

ATV

Utility, sport, touring, side-by-sides.

Stuff people ask

Real questions, real answers — no legal jargon required.

Q: Will refinancing hurt my credit score?
Only if you decide to move forward does a real credit check happen, and even then, a hard inquiry may cause a temporary impact to your score. A lower payment may help your credit over time by making your budget easier to manage, but this varies by person.
Q: How much can I save by refinancing?
Your number depends on your current rate, balance, and credit — but most people are surprised by how much room opens up. A lot of car loans get signed out of necessity, not choice, and that’s exactly what we’re here to fix.
Q: What are the benefits of refinancing with Hello Refi versus my bank?
We compare offers across a whole network of credit unions, so you’re not stuck with whatever one bank feels like giving you — and one dedicated consultant handles it all, no bouncing between departments.
Q: Can I refinance if I’m upside down on my loan?
Often, yes. Owing more than the car’s worth makes it trickier, not impossible. Worth a quick conversation instead of assuming you’re stuck.
Q: What types of vehicles can I refinance?
Cars, trucks, SUVs, motorcycles, boats, ATVs, and more — if you’re making a monthly payment on it, there’s a good chance we can help.
Q: How long does the process take?
Most people are done in just a few days. Upload documents from your phone, sign electronically, no branch visits required.
Q: How does the interest rate affect my loan?
Interest rate is the biggest factor in your monthly payment. A lower rate can mean a lower monthly payment, and it always means less total interest paid over the life of the loan. That’s why we compare rates across credit unions to find you better terms.

Sound like you?

You don’t need perfect credit — just one of these.

  • 01You’ve been paying on time. That already puts you in a good spot.
  • 02Your ride’s under 10 years old with fewer than 150k miles. Still got some life in it? So do your options.
  • 03Your credit’s better than when you signed your loan. That improvement is worth cashing in on.
  • 04You just want a lower payment. Honestly, that’s reason enough.
  • 05You want a co-signer off the loan. We can help with that.
Woman laughing beside her car by the coast — car refinance eligibility

Ready to say hello to a smaller payment?

Two minutes to check. Zero minutes of being sold to.

Check my rate