Keep your car loan working for your life — not against it.

Life changes. Credit changes. Vehicle values change. Auto Loan Health gives you a simple place to check your loan, equity and refinance readiness over time.

$9.99/ month

Try the Free Refinance Check

Cancel anytime through secure billing management. Auto Wise provides educational analysis and does not guarantee approval, rates or savings.

Know your equity

Compare your current payoff with estimated vehicle value and watch your loan-to-value position improve or worsen.

See payment-relief scenarios

Model a lower-payment refinance target and understand how APR and term can change monthly cash flow.

Check refinance readiness

Review the factors that can matter when refinancing, including balance, value, LTV, payment pressure and remaining term.

Built for real life changes

A car payment that fit two years ago may not fit today. A new baby, higher insurance, rent increases, job changes, unexpected bills or improved credit can all be reasons to take another look at the loan.

Your monthly Auto Loan Health check

1 Update your balance, payment, APR, mileage and vehicle value.2 Review equity, LTV and payment-relief scenarios.3 Use the results to decide whether it may be time to run a deeper refinance analysis.

Membership does not replace a lender decision

Auto Wise helps organize the numbers and explain tradeoffs. Lender approval, pricing, valuation and eligibility depend on the lender and your full application.