Many people decide to refinance their auto loans to take advantage of a lower car payment, pay less in interest, and / or pay off their loans faster. Auto refi can be most helpful if your credit score has improved since you bought your car. On average, Upgrade customers can save $115 a month.* Over a year, that adds up to $1,380! It takes a couple of minutes to check your rate. Checking your rate is free and has no impact on your credit score. Check your rate and see how much you can save!