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1502 Auto Park Way No., Escondido, CA, 92029

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Dealership Info

Phone Numbers:Sales Hours:
  • Mon - Sat9:00 AM - 7:00 PM
  • SunClosed
Service Hours:
  • Mon - Fri7:00 AM - 6:00 PM
  • Sat - SunClosed
Parts Hours:
  • Mon - Fri7:00 AM - 6:00 PM
  • Sat - SunClosed

How to Refinance a Car Loan

People Talking About a Car

If you’re a San Diego driver looking to score a lower interest rate on your car payments, refinancing your auto loan may be an option for you! The best way to refinance an auto loan is by taking on a new loan at a lower interest rate to pay off the balance of your existing loan. In the long-run, this will save you money and lessen your financial burden. Read on below to discover what to know when refinancing your car.

How Do You Refinance a Car Loan?

The following factors can help you determine the best way to refinance your auto loan:

  • Your Current Rate: You can’t decide how to refinance a car loan unless you know your current rate. Confirm your current interest rate before shopping around for alternate ones.
  • Your Credit Score: A strong credit score will be helpful in securing a new, lower interest rate. If you were making your current loan payments on time, your score should be solid–even if it wasn’t great when you started!
  • Your Options: Apply to multiple lenders in the greater Temecula area to make sure you are getting the most competitive interest rate options. Submit your applications within a 14-day window to protect your credit score.
  • Your Desired Loan Term: Determine whether the best way to refinance your auto loan is with a shorter term loan or a longer term loan. Longer term loans mean smaller monthly payments but more interest paid over time, whereas shorter term loans imply larger monthly payments but less interest over time.

Our Acura of Escondido finance team is happy to advise you on how to refinance your auto loan if you’re looking for additional guidance through the process!

What to Know When Refinancing Your Car

There are a few other points to be aware of if you’re wondering, “how do you refinance a car loan?” Here’s what to know when refinancing your car:

  • Fees: Some lenders have fees associated with paying car loans off early. Check your current loan terms to see if fees apply to the loan.
  • Underwater Finances: If the outstanding balance on your vehicle loan is more than the vehicle’s current worth, then you’re underwater. It may be harder to get approved for refinancing, and trading in your financed car may simply be the better option.
  • Older Vehicles: Because older vehicles have suffered greater depreciation, it is less likely you’ll get approved for a refinanced loan.

Discuss Your Financing Options at Acura of Escondido

With better knowledge of how to refinance a car loan, are you ready to act now? Contact us today to learn about your refinancing options. If you are interested in financing a new car rather than refinancing your current vehicle, stop by our Escondido dealership today to browse our new vehicle inventory. We can even help you lease a car with bad credit, if need be. Apply for financing from your home in Carlsbad or San Marcos, and get a head start on the process!

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(844) 695-4328

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1502 Auto Park Way No. • Escondido, CA 92029

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Acura of Escondido

1502 Auto Park Way No. Escondido, CA

Phone: (844) 695-4328


Phone: 877-762-8619

1502 Auto Park Way No. Escondido, CA


Phone: (844) 695-4328

1502 Auto Park Way No. Escondido, CA

Mobile Sales

Phone: 760-289-5869

1502 Auto Park Way No. Escondido, CA


Phone: (877) 762-8618

1502 Auto Park Way No. Escondido, CA
33.1147214 -117.1049452
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Acura of Escondido
Acura of Escondido
1502 Auto Park Way No.
Escondido, CA, 92029 United States
(844) 695-4328
Acura of Escondido 33.1147214, -117.1049452.