First, clarify why you want to refinance your car. You may be interested in cashing out some of the equity in your car, lowering your interest rate, and/or stretching the repayment period to reduce your monthly bill. Knowing your motivation will help you pursue the bad credit auto loan refinancing terms you want. Next, check the information summaries for the companies reviewed in this article and click on the links of those that seem like a good fit for your needs. Each link will transfer you to a landing page where you fill out a prequalification loan request form. Doing so will not hurt your credit score nor obligate you in any way. Fill out a short form to see whether you qualify for an auto refinance loan. Prequalification doesn’t guarantee that your final credit application will be approved, but it certainly indicates that you have a reasonably good shot. Assuming you pass the prequalification step, you’ll be matched to one or more direct lenders (unless the company is itself a direct lender, as is the case for Capital One Auto Refinance).