We find you a loan with a lower rate and you get the savings in cash today. If we can't help you get savings, you pay $0.
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It’s free to check how much you can save.
61% of people with a car loan are eligible for a lower interest rate
that could save them thousands of dollars.
There's a chance that since you bought your car,
your credit has improved, interest rates have gone down, or simply there's a lender that will offer
you better terms than what you got at the dealership.
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Refinancing is basically switching the lender for your car loan. Many people refinance because they can get better terms than when they first purchased their vehicle. This saves people money over the lifetime of their loan, either with a lower monthly payment, cash upfront, or both.
With Upfront, it’s easy! We just need a few pieces of information on your car, your loan, and yourself. It only takes a few minutes, with no obligation, no cost, and no impact to your credit score.
Nope! Once you choose to refinance your auto loan, our $399 service fee is taken out from your total savings. And, if we can't help you find a loan that gives you savings or you decide not to refinance, you pay us nothing.
Getting a refinance offer from us is free.
We cover our operational costs by charging a $399 service fee only if you choose to refinance. This fee isn't paid out of pocket by you, but rather already baked into the savings you will get by switching loans.
Yes! We keep your data fully secure. We value your privacy, and take extra care to keep it safe.
Here's the thing: On average, refinancing customers save $82 a month.
It doesn't sound like a lot, but add that up over 40 months of loan payments and it’s a lot. So at Upfront, we give you the option to receive those savings as an instant cash-back offer instead of changing your monthly payments.
The average Upfront customer receives a $2,193 cash back offer.
Checking for available refinance offers with Upfront will not affect your credit. If you like your pre-qualified refinancing offer and select it for processing, you will get a hard inquiry in your credit score.
As Credit Karma explains: "A hard inquiry could lower your scores by a few points, or it may have a negligible effect on your scores. In most cases, a single hard inquiry is unlikely to play a huge role in whether you’re approved for a new card or loan. And the damage to your credit scores usually decreases or disappears even before the inquiry drops off your credit reports for good (hard credit checks generally stay on your credit reports for about two years)."
We are your auto savings partners. Similar to refinancing brokers, we help you find a lending offer with better terms so you save thousands of dollars.
But unlike refinancing brokers, we’re the only providers that offer both the option to lower your monthly payments ($82 on average) or to get all your savings in cash back today ($2,193 on average).
Yes, it sounds unbelievable—but it's true! If you proceed with a cash-back refinance offer, we get the savings amount deposited to your bank account within 24 hours after your application to refinance is approved.
Motorcycles are not eligible for refinance offers. Vehicles older than model year of 2010 are also not eligible for refinance offers.
No, you will not be charged prepayment fees if you decide to pay off your loan faster than the scheduled term.
