Subprime-to-prime auto refinance targets
Educational score-tier targets toward better auto refinance rates with rough payment savings.
See educational score-tier targets from subprime toward prime for a refinance, and rough payment savings if you reach a stronger tier. Not a pre-approval or score guarantee.
6-96 educational range
Target tiers & savings
$96.13/mo vs best tier
Now Subprime (~16.5%) → aim for 781+
- Current payment
- $514.75 /mo
- Super prime (781+) ~5.5%
- $418.62/mo · save $96.13/mo · interest $4,614.24
- Prime (661-780) ~8%
- $439.43/mo · save $75.32/mo · interest $3,615.36
- Near prime (601-660) ~11.75%
- $471.80/mo · save $42.95/mo · interest $2,061.60
Illustrative score-tier APRs only - not a pre-approval or score guarantee. Reaching a stronger tier often lowers payment; lenders price loans differently.
Educational estimates only. Not credit repair advice, not a guarantee of score changes or loan approval. Results vary; we are not a lender or law firm.