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Auto Refinance

Finance your next car with Auto Navigator

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Easy application

A loan specialist will guide you through our application and answer any questions you may have.

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Quick decisions

Approvals take just 10 minutes - sometimes even faster. And you may have your funding the same day.

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EV financing available

Electric vehicles are better for the planet—and great for your wallet.

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Flexible loan options

With competitive rates and terms up to 84 months2, your monthly payment can fit your budget.

We’re committed to a greener, more sustainable tomorrow

Refinancing your car is easier than you might think.

Start saving by refinancing your auto loan

Looking to finance a new or used car? See if you pre-qualify for financing in minutes with no impact to your credit score. Plus, know your financing terms before heading to a participating dealer. Whether you want to pre-qualify for auto financing, refinance your current auto loan, or you’ve been pre-approved for an exclusive financing offer, we’ve got you covered. Let’s get your financing journey on the road.

Auto refinancing is a good way to reassess the length of your loan term. We might be able to help you shorten it, so you can pay your car off faster. Pre-qualify to see real numbers and loan terms without hurting your credit score.

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    Interest rate

    confirm the annual percentage rate (APR) of your loan. Determine whether the loan has a fixed rate.

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    Prepayment penalties

    find out if you can pay off your loan early without incurring a penalty.

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our Testimonial

What Customer's are Say About our services

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If I would have known how simple and quick it was to refinance my auto loan I would have done it months ago.

william Thomas
customer
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Setting up my auto refinance was very easy and quick to do online. I'm happy with the rate and terms.

Angie smith
customer
Discover our company

We’ve been thriving in 38 years

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Financing

Knowing your credit score will help you plan a realistic approach toward financing your next vehicle. While you can still get approved for a loan with a lower credit score, you may have a higher interest rate. If this is the case, or if your credit score is too low for approval, consider signing with a co-applicant. A co-applicant is an individual who enters the loan with you, is equally responsible to ensure the payments are made, and may maintain part ownership of the vehicle under that loan.

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Before You Buy

Consider costs beyond the sticker price. As you set your vehicle budget, be sure to factor in additional expenses like fuel costs, registration fees, maintenance, insurance, and repairs. For example, used cars typically have lower insurance costs, but may cost more to finance than a comparably valued new car.

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New Vehicles

Aim for the vehicle you really want within your price range - if there is a color or feature you’re interested in but the dealership doesn’t currently have it, you may still be able to get the model you want. Dealerships often have the ability to obtain specific models not currently in their inventory; however, there may be a charge for doing so.

Explore promotions and manufacturer incentives - be sure to ask about current and future promotions and offers that may lower the price of the vehicle you’re interested in.

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Used Vehicles

Take time to inspect the vehicle during daylight hours - viewing the vehicle during the daytime with a dealer or private party gives you the opportunity to take your time to examine it clearly and comprehensively, giving you a better chance to see any potential blemishes, damage, or issues.

Test drive the vehicle you’re interested in - if possible, drive the vehicle in different environments to see how it performs and whether you feel comfortable operating it.

Quick Online Consultancy

How We Work

Steps For Successful Business

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Industry-leading experience 

Have peace of mind knowing your vehicle is financed through an auto lender with more than 50 years of experience.

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Nationwide network of dealerships 

With nearly 11,000 dealerships in our network, be sure to ask if Wells Fargo financing is available to you.

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Dedicated customer support 

Feel supported knowing our team is always here to help — whenever and however you need us.

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24/7 access to your account

Pay online, view loan activity, get your online statements, and more, at any time.