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Auto Loan Refinance Rates

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Why find out what kind of auto refinance rates I qualify for?

There are many reasons to learn more about refinancing your car and what different auto refinance rates could do for you. In fact, you can find out how different auto refinance rates could affect your monthly payment with our auto refinance calculator.

Take advantage of these benefits when you refinance your auto loan with us.

  • Low monthly auto loan payments
  • Competitive auto loan refinance rates
  • Extra cash to consolidate bills or pay for other expenses2
  • New auto loan terms to suit your needs„whether you want to pay it off sooner or would like lower monthly payments
  • Auto refinance loan terms from 12–72 months
  • Auto refinance rate discounts for Wells Fargo customers3
  • Fast credit decision–within minutes

If you’re ready to refinance your auto loan, complete our online application. Or, call us at 1-866-452-3413 for more information about our auto refinance rates.

Auto Loan Annual Percentage Rates Begin At:1

Auto Loan Refinance 4.12%
New Auto Purchase (Dealer) 2.99%
Used Auto Purchase (Dealer) 4.39%
Used Auto Purchase (Private Party) 5.73%
APRs assume excellent credit. We expect 15% of those customers with excellent credit to have their average rate to be the rate disclosed above (for example 4.12% APR for the auto loan refinance product). Your actual APR will be determined when a credit decision is made and may be higher than the rates published. Rates are current as of 4/30/2013 and are subject to change without notice. Auto loans are not available in Louisiana.

When shopping for auto refinancing, not all borrowers will qualify for the same auto refinance rates. That’s because one of the biggest influences on a refinance car loan rate is the borrower’s credit rating.

In general, the better the credit score, the lower the auto refinance rates. The age of the vehicle, mileage and loan-to-value (LTV) ratio also help determine the auto refinance rates. For example, a newer car with a lower LTV and fewer miles usually has lower auto loan refinance rates than an older one with more miles and a higher LTV.

Auto refinance finance charges: The longer your loan term, the more interest you may pay. This means you might owe more than the car is worth for a longer time (or you might be upside-down on your new auto loan).

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1Customers can maximize their chances of obtaining the lowest possible rate by having a entitling you to a discount. Qualifying account relationships must exist at least 30 days prior to application in order to obtain available discounts. Auto loans are not available in Louisiana.

2 Wells Fargo Auto Finance does not make loans for educational purposes. Please call Wells Fargo Education Financial Services at 1-800-658-3567 if any portion of the proceeds is to be used for educational purposes, or to refinance/consolidate any loan you incurred for such purposes.

3 You may be eligible for a rate discount for having a Wells Fargo relationship and deposit account from which your monthly loan payment is deducted. During the life of the loan, if the monthly automated payment from your Wells Fargo deposit account is discontinued for any reason, or you no longer meet the relationship requirements, you will lose the selected discount.

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