Cristy S. Lynch

Creator, author, and project manager of State of Auto Refinance report for Digital PR (SEO and backlinks). I hired a data journalist to analyze over half a million anonymized completed auto loan refinance applications. This report took four months to produce.

The 2021 report was originally published with URL /state-of-auto-refinance.

This is the link to this year's State of Auto Refinance annual report for Digital PR (SEO, backlinks). Creator, author, project owner of second annual SOAR report analyzing hundreds of thousands of auto refinance applications.

Creator, author, project owner of report analyzing used car values and auto refinance loan approvals. Worked with data analytics team to pull internal data for report.

Writer, editor

With record high used car values and low interest rates, it’s still a great time to refinance your auto loan.

Updated RateGenius careers page copy and layout. Worked with designers on new creative assets.

You owe more on your auto loan than the value of the car itself. Now what?

It’s not just about the rates — how long it takes to pay back your car loan matters too.

Federal rate cuts may present favorable options for auto refinance loan shoppers.

The pandemic has impacted auto loan refinancing applications. Here’s why.

Lower rates, more approvals, and for the first time this year, borrowers with credit scores below 700 saved $100+/month refinancing their car loans.

Auto refinance rates remain about the same, but more borrowers are saving over $100 a month. Plus, your car may have just made it easier to get approved for auto loan refinancing.

The average interest rate has climbed another 0.09% this month, but borrowers are saving more money refinancing their car loans compared to years before.

The average auto refinance interest rate inched up by just a handful of basis points, climbing from 6.23% to 6.42%. But according to RateGenius.com data, applicants with credit scores of 750+ are getting rates under 3% on average.

This month we cover current auto loan refinance rates, monthly averages, and winter weather impact on applications.