Lower your monthly payment in minutes
Enter your RSVP code to view your offers.
No RSVP code? We got you.
Why refinance with Exeter
Step 1
Enter your information
Step 2
View your offers
Step 3
Sign and start saving
Lower Your Payments
By lowering your rate or adjusting your term, you have the potential to lower your monthly payment to free up cash for other expenses.
Lower your interest rate
You may qualify for a lower rate, which could mean big savings over the life of the loan. A lower rate could help you plan to potentially pay off the loan faster.
Start saving immediately
You could potentially skip a payment depending on your current due date, in addition to lowering your monthly payment going forward.
Easy application process
You can apply directly from your phone and complete your application in as little as two days. Our team is here to support you every step of the way.
What to expect
A simple solution with real savings and no surprises.
Auto loan estimator
Estimated monthly payment
$500.00
/mo
*This tool provides estimates for informational purposes only and does not serve as a loan offer or approval. Actual terms may vary based on credit and other factors.
Understanding your options
Boost your financial confidence and get tips on budgeting and building or improving your credit in our Financial Compass Collective so you can feel more in control when finding the loan that is right for you.
"I recently refinance my car with Exeter was the easiest process ever. They listen to me on what I would like my payment to be and got it done. I highly recommend Exeter Finance."
"Kept trying to get me where I needed to be. Took an extra day or so but well worth getting refinanced with lower monthly payments."
"This was the EASIEST refinance I have ever done. Helpful informative people the whole process. Highly recommend!!"
Why do I have to complete a Power of Attorney?
Most states require a POA to be signed (notarized if applicable) to complete a refinance. The Power of Attorney allows us to update your vehicle title with the DMV, removing your old lender and adding us on as your new one. It’s a standard part of the refinance process and is limited to this transaction only.
When is my first payment due?
45 days from the date on the contract
When will my current loan be paid in full?
We overnight the payoff check the following business day after signing and it generally takes your lender 3 business days to apply the payoff check to your account.
How do I view my account details to make payments after I have refinanced with Exeter?
MyAccount (https://www.exeterfinance.com) or call customer service at: 800-321-9637
Can I remove the other person from my Title/Registration?
Each state has different requirements for removing an individual from a title/registration. If this is something you’re looking to do, please speak with your loan officer — they can let you know if it’s possible and guide you through next steps.
*No credit score impact to view your offers.
1 Average customer savings in loans funded through October 2025.