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Enter your current loan
Balance, APR, months remaining, and monthly payment. Optional fields help with eligibility signals.
See if refinancing is even possible for your auto loan
Autokima helps you evaluate whether refinancing is likely to improve your financial reality. It focuses on diagnosis and tradeoffs.
✓No lender ads✓No credit checks✓Assumptions shown
Before you calculate, here's what we know...
These insights are based on real refinance data. No personal information needed.
Read the full article with citations →💰
Most people who refinance save $80–$220/month
Based on thousands of refinances, the average monthly savings falls in this range.
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If your APR is above 9%, refinancing is often possible
Current market rates are typically lower, making refinancing a viable option.
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82-month loans are the hardest to refinance early
Longer loan terms often have higher balances relative to vehicle value, creating challenges.
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Refinancing typically becomes viable 6-12 months after purchase
After this period, loan-to-value ratios usually improve enough to qualify.
How it works
Three simple steps to understand your refinance reality.
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Get your analysis
See remaining cost, interest breakdown, scenario comparisons, and a readiness assessment.
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Make an informed decision
Use the numbers to evaluate whether refinancing makes sense for your situation.
Understand your refinance reality
This uses your inputs to estimate remaining cost and interest, identify likely pain drivers, and run conservative eligibility checks. It does not produce loan offers.
✓This does not affect your credit
✓We don't ask for SSN
✓This is not an application
✓No lender sees this
✓Your data is never shared
What you'll get
Clear, honest analysis without the sales pitch.
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Loan diagnosis
See your remaining cost, interest breakdown, and what's driving your payments.
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Scenario comparisons
Model different APR and term combinations. See break-even and total cost tradeoffs.
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Readiness assessment
Get a conservative readiness label with plain reasons—no fluff, just facts.
Quick example: fees and break-even
If fees are $900 and the new payment saves you $30 per month, break-even is about 30 months. If you think you might sell the car or pay off the loan before then, refinancing may not help.
Learn before you decide
Short explanations of the concepts that most often change the decision.
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