Entered APR
Compare the current rate with the credit range you select for the screening.
My Auto Wise
SMARTER FINANCING
BRIGHTER TOMORROWS
BRIGHTER TOMORROWS
Credit Improved
Has your credit improved since you financed your car?
A stronger credit profile can be a reason to review an older auto loan, especially when the original APR was high. Auto Wise screens the current rate, payment, balance, term and equity together.
Check My Auto Loan FreeTime remaining
See whether enough balance and term remain for a closer review to be meaningful.
Loan-to-value
Understand why the vehicle value and payoff balance can affect available options.
Better credit does not guarantee a better loan
Rates, approvals and available terms depend on lender criteria, the vehicle, loan-to-value, income and the application at the time of review.
Look beyond the rate
A useful comparison keeps monthly payment, remaining interest, term and payoff timing together.
What the free Auto Wise check does
Enter your current balance, APR, payment, months remaining and vehicle information. Auto Wise screens the loan for payment pressure, rate concerns, term structure and estimated equity so you can decide whether a deeper review is worth considering. No SSN and no Auto Wise credit pull are required for the free check.
Auto Wise provides educational vehicle-finance analysis. Estimates are not loan offers, approvals, lender commitments, certified appraisals or guarantees of savings, rates or financing availability.