About this site

Why this exists

Almost every "check your auto refi rate" site is a lead generator. You give them everything — name, email, phone, SSN — and they sell that contact info to lenders who then call and email you for weeks. The "rate check" is the bait.

We thought consumers deserved an alternative: tools that answer the actual question (should I refinance? what rate is realistic? what are my approval odds?) without becoming a lead.

How the calculations work

The savings and rate-estimation tools use the standard amortization formula. The approval odds quiz uses a weighted-points model based on the published underwriting criteria of a dozen major auto refi lenders, normalized through a sigmoid function for a smooth probability. The "Should I Refinance?" tool combines both.

All math runs in your browser.

Where we send you

When you're ready to actually apply, every CTA on the site links to banks.com. We don't run our own lead funnel and we don't sell your data — because we don't have any.

Editorial standards

Lender reviews are based on publicly disclosed underwriting criteria, customer service ratings, and rate ranges. We don't accept payment for placement and lender ranking is not influenced by referral economics.