Best auto loans · Reviewed 2026-07-22
Best Auto Refinance Loans
Direct creditors with a clearly published refinance product and competitive flexibility or transparency.
Eligibility for this list
The official product page must explicitly support refinancing; ranking excludes lenders whose reviewed page offers purchase financing only.
Read the complete scoring methodology01
new purchase · used purchase · refinance
PenFed Credit Union
Credit-union purchase and refinance loans with public rate and amount information.
View moreReview score
4.5
out of 5.0
02
new purchase · used purchase · refinance
Navy Federal Credit Union
Member-only auto financing with detailed published rate tables and long-term options.
View moreReview score
4.4
out of 5.0
03
new purchase · used purchase · refinance
Consumers Credit Union
Member credit union offering purchase and refinance financing with public term pricing.
View moreReview score
4.4
out of 5.0
04
new purchase · used purchase · refinance
Digital Federal Credit Union
Member credit union with purchase and refinance loans and an electric-vehicle discount.
View moreReview score
4.1
out of 5.0
05
new purchase · used purchase · private-party purchase · refinance
LightStream
Unsecured financing that can be used for eligible auto purchases, without a vehicle lien.
View moreReview score
4.1
out of 5.0
06
new purchase · used purchase · refinance
PNC Bank
Dealer-purchase check-ready financing plus a separate refinance product.
View moreReview score
3.7
out of 5.0